) A no-nonsense summary of evidence that proves transaction is legit. This can be transaction receipts, proof of. Merchants who believe they have received an invalid chargeback under reason code 10. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. About American Express chargeback reason codes. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Spot these types of chargebacks using the below reason codes. the requested documentation, your account will be debited. 2. Regardless, merchants must respond to the given reason code. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. At the start of a transaction. Take the time to note the following dispute reason codes for Visa. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. The good news is that most of these invalid claims are disputable by the merchant. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. Let’s say you got a Visa chargeback with reason code 13. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. What is Visa chargeback reason code 10. By entering your email, you agree to receive marketing emails from Shopify. The shorthand description is “Goods/Services Not as Described. Acquirer Use of Message Reason Code 7623. Every time a merchant processes a transaction, they are supposed to send an. You should place a Code 10 call when. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. Used when: The merchant processed the transaction more than once, causing the cardholder to be debited twice for the same transaction or the cardholder paid for a transaction using one form of payment and was 4853 – Cardholder Dispute – Credit Not Processed. chargeback: The buyer filed a chargeback with the credit card issuer. M10. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. You’ll put that reason code, the transaction amount and authorization number, and state that the. The system does not accept blank as a value, even if it is defined in the user defined code table. 65% with at least 75 total disputes. For this reason, you must document all debit and credit card transactions and. By entering your email, you agree to receive marketing emails from Shopify. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. 4853 – Cardholder Dispute – Credit Posted as a Purchase. ” This chargeback comes into play when a cardholder is charged incorrectly for damages to a rented vehicle. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Visa Chargeback Reason Codes. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. It’s even more frustrating if you don’t understand what the chargeback code means. The list of chargeback reason codes in this article is organized by card brand and type of dispute. The most comprehensive guide to chargeback reason codes. They may also have requirements that must be met in order for a transaction to be eligible for coverage, such as delivery confirmation. Unfortunately, it is pretty challenging to prevent friendly fraud. About American Express chargeback reason codes. Reason Code. Stage 1: First Chargeback. The chargeback can be for the total transaction amount or a lesser amount. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 10. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. This definitive guide include the chargeback base codes from each away and four more card networks. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. M10 - Vehicle Rental – Capital Damages. 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 purchase occurs. Below is a list of Mastercard chargeback codes used in eCommerce. pdf - Free download as PDF File (. 10. What are chargeback reason codes? Reason codes inform merchants about the reason why the customer is disputing a transaction, based on the information they provided to their bank. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. This list was generated 5/4/2022. EMV Liability Shift Non-Counterfeit Fraud. 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. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 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. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Check with the issuing banks to determine what time limits may apply to you. Plus, get valuable tips to prevent and fight chargebacks with greater accuracy. Once you know why a chargeback happened, you can start building a case to address the claims that were. . Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. However, the return request is invalid, as the customer does not have a. But sometimes, a chargeback can be fraudulent. 4, 12. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. 102. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. This code applies when a cardholder claims a charge was unauthorized, and the issuer determined that ALL of the following conditions were met: The transaction took place in a card-present environment. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Updated August 23, 2023. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). 1: goods not received. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. One catch is that CE3. txt) or read online for free. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Ethoca alerts can prevent chargebacks before they hit your bank account. It’s generally more efficient to take a proactive stance when it comes to chargeback management. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. As expected, chargeback reason codes exemplified consumer sentiment. Versions Affected: v5, v6. Check this complete list of chargeback and dispute reason codes. The merchandise was as described or was not defective. A01 | A02 | A08. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. The cardholder alleges they never received the products or services. M10: Vehicle Rental - Capital Damages: None: Inquiry/Miscellaneous: M49: Vehicle Rental - Theft or Loss of Use: None:. Scenario 1 — upfront chargeback. Processing recurring payments increases your susceptibility to chargebacks. ©Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. 4846. But, merchants should be aware that, eventually, everyone will be required to use the new designations. As we touched on earlier, chargebacks can happen due to technical errors. A chargeback happens when a customer requests for a transaction to be. Chargeback prevention strategies vary based on the reason for the. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Most reason codes apply to any merchant, regardless of what’s being sold. Visa chargeback reason code 11. Discover - UA02 Fraud – Card Not Present Transaction. reason codes. Which definitely guide includes the chargeback motive. 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. While there are many chargeback reason codes, all chargebacks fall into one of three categories:What is Visa chargeback reason code 10. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. And chargeback guarantees aren't without. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Either the acquiring or issuing bank could initiate the. M10 Capital damages M11 Credit processed M12 Compliance M13 Not as described - Unable to resolve. Chargeback . 2: No Authorization Legacy Code: 71. 10. Visa chargeback reason code 75 is filed as an honest mistake. 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. A reason code is how banks categorize the reason for a chargeback. But friendly fraud is much more ambiguous. Visa - 10. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. MASTERCARD Dispute Reason Codes. There are two types of invalid chargebacks. Values are: Blank: Use the receipt G/L date. Discover uses unique codes to explain those reasons to merchants. MasterCard - 4863 Cardholder Does Not Recognize - Potential Fraud. 1. 3 falls under the “Consumer Disputes” category. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Each reason code has its own set of regulations regarding: Proper and. It happens when the cardholder disputes the payment, claiming it was invalid or unauthorised. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Visa chargebacks can be a major inconvenience for merchants. September 2011: 5. 2 for Visa and Reason Code 4850 for Mastercard). chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Reason Code 11. Incorrect TransactionEvery chargeback comes with a reason code. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. High Level Visa Chargeback Dispute Flow. 2. Every chargeback is different, so the evidence you provide will vary depending on the reason for the chargeback and the documents you have available. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Only an issuer can initiate the chargeback process. Once you receive this notification, you have 11 days to submit a response. Updated the following columns - card type, response due date. 6: Credit not. processed the transaction correctly. Overall returns (all codes): 15%. That said, looking up purchases using this number can make it easier to provide info following an. Provide exemplary customer service. Fight; Hinder; Recover; Resources. 4853 – Cardholder Dispute – Credit Not Processed. Mastercard Chargeback Reason Code 71: Disputed Amount. The major card networks have unique reason code systems, and banks use separate tools. Which is meant to know the reason for the dispute. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Acquirer Use of Message Reason Code 7623. 3 DUE DATEA chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. Understanding these codes is essential because they'll guide your response strategy. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. 4512:Last updated: October 15, 2019 . UA02 Fraud – Card Not Present Transaction. 3. ” This. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. 7. 4 chargebacks. Follow the Rules. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. M49 Vehicle Rental – Theft or Loss of Use. Use clear and consistent billing descriptors. Chargebacks. The shorthand description is “Vehicle Rental – Capital Damages. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. Reason codes vary by card brand. The nature of the threat makes it a moving target. A chargeback happens when a customer requests for a transaction to be reversed. 2? Visa chargeback reason code 10. The main chargeback reasons look like this: Malicious fraud. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The Cardmember claims to have been incorrectly billed for Capital Damages, theft, or loss. Everyone has had the experience of buying. By entering your email, you agree to receive marketing emails from Shopify. CODE DESCRIPTION A01 CHARGE EXCEEDS AUTHORIZATION AMOUNT A02 NO VALID. R03 Insufficient Reply. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. ; Help Center Find answers to common questions about Midigator’s technology,. 46 4. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Across open networks and include account numbers sent over email, instant messaging, text, or chat. FR2 Fraud Full Recourse Program. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. A reason code is an alphanumeric code selected from a predetermined list by the issuing bank to indicate the reason the cardholder gave for requesting a chargeback. Updated Disputes/Chargeback Policy Coming April 2024While the updates have been published, they do not go into effect until Oct. With that said, you still need to understand the reason codes with any chargebacks from Amex. The Chargeback Reason is fraud-related and the Chargeback Notice identifies that one of the below chargeback codes (each, an "Acceptable Reason Code") applies: Acceptable Reason Codes. 1? Visa chargeback reason code 10. Standard Threshold: Reaching a chargeback ratio of 0. Each card company has its. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. Accessed October 17, 2022. The sales receipt and/or date and amount of the authorization if other than the transaction date. Each reason code has its own set of regulations regarding: Proper and. To be labeled with reason code 10. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Knowing these codes can help you dispute chargebacks more effectively. for chargeback reason code 4863 (Cardholder Does Not Recognize). 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 3 Changed Discover Reason Codes to match what is shown in the UI. A chargeback happens when a customer requests for a transaction to be reversed. 3. This can be transaction receipts, proof of. And according. Write Off. The first is true fraud, where someone used stolen credit card or account information to make a purchase. Save finalize leaders includes the chargeback good codes off each of the four major card networks. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. The system does not accept blank as a value, even if it is defined in the user defined code table. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 1 EMV Liability Shift 10. FAQ: What is Chargeback Representment?. 4. Description. What is Visa chargeback reason code 13. Code. Be sure you understand the cardholder’s claim. Visa chargeback reason code 11. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. ; Resources. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. The bottom line: true fraud and chargeback prevention requires a more comprehensive. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Values are: Blank: Use the draft G/L date. The chargeback reason code. Pursuant to the Fair Credit Billing Act. 6. In fact, the total costs of chargebacks exceed $30 billion per year, which is more than the revenue of many Fortune 500 companies, like McDonald’s and Netflix. Check the chargeback reason code. Duplicate Processing - 81These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. chargeback. 9808 info@chargebacks911. Try Shopify free for 3 days, no credit card required. MasterCard does not have an equivalent reason code. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. A reason code or a chargeback reason code is a string of symbols (numbers and letters). EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Reason Code. It indicates that the merchant has not properly deposited the transaction amount within the card network’s acceptable time frame and a chargeback will be issued as a result. Visa Chargeback Reason Codes; Chargeback Management Software; Chargeback Reason Codes; Credit Card Dispute Time Limit; Mastercard Reason Codes; Bank Identification Number; CONTACT. Chargeback Report. The shorthand description is “EMV Liability Shift Counterfeit Fraud. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. Chargeback prevention alerts require you to monitor and respond to notifications within a short time frame, usually 24 to 72 hours. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. There is a USD 25 limit for the First Chargeback (Reason Code 22). Specifically, these updates only pertain to transactions that are charged back after Oct. compliance process depending on whether a chargeback right exists. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Paid by alternate means and card. The terminal action codes are in Table 122 of the 4. 4 chargebacks. Merchants who believe they have received an invalid chargeback under reason code 10. This ranges anywhere from roughly 60 to 90 days after purchase. UA06 Fraud – Chip and PIN Transaction. Documentation must be a direct result of cardholder communication. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Duplicate Processing. 1. Network Processing ® ©The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. US/Canada Chargeback reason code. Assemble Your Evidence. Solutions. 1. Try Shopify free for 3 days, no credit card required. Other Ineligible Transactions Under Reason Code 62, Condition 2 . 1 Goods and Services Related Issues 1. For those facing a lower chargeback volume, however, alerts might not provide a positive ROI. Analyze your chargeback data. 4: Other Fraud – Card-Absent Environment. 18167 US Highway 19 N Clearwater, FL 33764 877. Chargeback reason code 11. Each chargeback comes with a code that designates the reason it was filed. How you respond is determined by the chargeback reason code: Embed This Graphic. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. Customer Dispute. Chargeback reason codes. Updated August 23, 2023. You must tailor your representment case — including the compelling evidence — to the reason code under. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. M10: Vehicle Rental – Capital Damages: Inquiry/Miscellaneous: M49: Vehicle Rental – Theft or Loss of Use: Inquiry/Miscellaneous: R03:. Chargeback Reason Code. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 3 Fraud – Card-Present Environment. Fraudulent TransactionsReason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. But sometimes, a chargeback can be fraudulent. [1] Sift. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. There are two parts to this. 2 – EMV Liability Shift Non-Counterfeit Fraud. 3? Visa chargeback reason code 13. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. The following are some examples: Visa Reason Code 13. Here are the two possible scenarios: 1. Try Shopify free for 3 days, no credit card required. Protect cardholder data. The implication is that the merchant is at fault. A chargeback happens when a customer requests for a transaction to be reversed. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. If your chargeback ratio is high [i. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The assigned chargeback reason code outlines why a customer submitted the dispute. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Chargeback Reason Codes All received credit card disputes include a reason code. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Chapter 2 1. All card brands have their own number of codes). Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. ; Help Center Find answers to common questions about Midigator’s technology,. If the order was genuinely not as described, then the cardholder has a case. pdf), Text File (. 3 falls under the “Authorization” category. 5. 196First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for.