Part of the Finix Core and Flex platform (the disputes feature is not available for Push-to-Card) is the management of disputes. Disputes can be managed via the APIs and our Dashboard. A dispute is categorized by Finix into one of the following categories.
- Clerical
- Fraud
- Inquiry
- Quality
- Technical
Each dispute is assigned a state, that describes the current status of the dispute. There are four states:
- PENDING: There is a response pending from either party. There is no resolution to the case.
- INQUIRY: The issuer requests evidence from the transaction from the sub-merchant. The inquiry state seeks to resolve the dispute prior to engaging in the chargeback process.
- WON: The sub-merchant has provided sufficient evidence to fight the dispute.
- LOST: The sub-merchant has not provided sufficient evidence to fight the dispute.
Each reason listed above corresponds to a specific dispute code that varies depending on the credit card brand. Each dispute reason and their description is listed below.
Note: The codes listed below may change. Check back for updates.
Visa: Retrieval codes
| Code | Reason | Description | ||||
| 28 | INQUIRY | Request for copy bearing signature | ||||
| 30 | INQUIRY | Cardholder request due to dispute | ||||
| 32 | INQUIRY | Copy request because original lost in transit | ||||
| 33 | INQUIRY | Legal process or fraud analysis request | ||||
| 34 | INQUIRY |
(if domestic) Repeat request for copy (if international) Legal process request |
||||
| 35 | INQUIRY | Written cardholder request for original due to inadequate copy | ||||
| 36 | INQUIRY | Legal process request for original | ||||
| 38 | INQUIRY | Paper/handwriting analysis report | ||||
| 39 | INQUIRY | Repeat request for original copy | ||||
| 40 | INQUIRY | Arbitration request |
Visa: Chargeback codes
| Code | Reason | Description | ||||
| 30 | QUALITY | Services not rendered or merchandise not received | ||||
| 41 | CLERICAL | Canceled recurring transaction | ||||
| 53 | QUALITY | Not as described or defective merchandise | ||||
| 57 | FRAUD | Fraudulent multiple transactions | ||||
| 62 | FRAUD | Counterfeit transaction | ||||
| 70 | CLERICAL | Account number on exception file | ||||
| 71 | TECHNICAL | Declined authorization | ||||
| 72 | TECHNICAL | No authorization | ||||
| 73 | TECHNICAL | Expired card | ||||
| 74 | CLERICAL | Late presentment | ||||
| 75 | FRAUD | Cardholder does not recognize transaction | ||||
| 76 | CLERICAL | Incorrect transaction code | ||||
| 77 | CLERICAL | Non-matching account number | ||||
| 80 | CLERICAL | Incorrect transaction amount or account number | ||||
| 81 | FRAUD | Fraudulent transaction - card present environment | ||||
| 82 | CLERICAL | Duplicate processing | ||||
| 83 | FRAUD | Fraudulent transaction - card absent environment | ||||
| 85 | QUALITY | Credit not processed | ||||
| 86 | CLERICAL | Paid by other means | ||||
| 90 | QUALITY | Services not rendered - ATM or Visa travel money | ||||
| 93 | CLERICAL | Risk identification service | ||||
| 96 | TECHNICAL | Transaction exceeds limited amount |
Mastercard: Retrieval codes
| Code | Reason | Description | ||||
| 6321 | INQUIRY | Cardholder does not recognize the transaction | ||||
| 6323 | INQUIRY | Request for copy | ||||
| 6341 | INQUIRY | Fraud investigation | ||||
| 6342 | INQUIRY | Potential chargeback or compliance documentation |
Mastercard: Chargeback codes
| Code | Reason | Description | ||||
| 4801 | TECHNICAL | Requested transaction data not received | ||||
| 4802 | CLERICAL | Requested/required information illegible or missing | ||||
| 4807 | TECHNICAL | Warning bulletin filed | ||||
| 4808 | TECHNICAL | Requested/required authorization not obtained | ||||
| 4812 | TECHNICAL | Account number not on file | ||||
| 4831 | CLERICAL | Transaction amount differs | ||||
| 4834 | CLERICAL | Duplicate processing | ||||
| 4835 | TECHNICAL | Card not valid or expired | ||||
| 4837 | FRAUD | No cardholder authorization | ||||
| 4840 | FRAUD | Fraudulent processing of transactions | ||||
| 4841 | CLERICAL | Canceled recurring transactions | ||||
| 4842 | CLERICAL | Late presentment | ||||
| 4846 | CLERICAL | Correct transaction currency not provided | ||||
| 4847 | TECHNICAL | Exceeds floor limit, not authorized and fraudulent transaction | ||||
| 4849 | FRAUD | Questionable merchant activity | ||||
| 4850 | CLERICAL | Credit posted as a purchase | ||||
| 4853 | QUALITY | Cardholder dispute - not as described | ||||
| 4854 | QUALITY | Cardholder dispute - not elsewhere classified (US only) | ||||
| 4855 | QUALITY | Non-receipt of merchandise | ||||
| 4857 | TECHNICAL | Card-activated telephone transaction | ||||
| 4859 | QUALITY | Services not rendered | ||||
| 4860 | QUALITY | Credit not processed | ||||
| 4863 | FRAUD | Cardholder does not recognize - potential fraud |
Discover: Retrieval codes
| Code | Reason | Description | ||||
| 6005 | INQUIRY | Transaction documentation request due to cardholder dispute | ||||
| 6021 | INQUIRY | Transaction documentation request | ||||
| 6029 | INQUIRY | Transaction documentation request - T&E | ||||
| 6040 | INQUIRY | Good faith investigation | ||||
| 6041 | INQUIRY | Transaction documentation request for fraud analysis |
Discover: Chargeback codes
| Code | Reason | Description | ||||
| 4502 | TECHNICAL | Illegible sales data | ||||
| 4534 | CLERICAL | Duplicate processing | ||||
| 4541 | CLERICAL | Recurring payments | ||||
| 4542 | CLERICAL | Late presentation | ||||
| 4550 | CLERICAL | Credit/debit posted incorrectly | ||||
| 4553 | QUALITY | Cardholder disputes quality of goods or services | ||||
| 4554 | TECHNICAL | Not classified | ||||
| 4586 | CLERICAL | Altered amount | ||||
| 4753 | CLERICAL | Invalid cardholder number | ||||
| 4755 | QUALITY | Non-receipt of goods or services | ||||
| 4757 | CLERICAL | Violation of operating regulations | ||||
| 4863 | CLERICAL | Violation of operating regulations | ||||
| 7001 | TECHNICAL | Fraud - card present transaction | ||||
| 7030 | FRAUD | Fraud - card not present transaction | ||||
| 8002 | QUALITY | Credit not processed |
Comments
1 comment
Hi Jenny! This is very helpful, thank you. Do you have an additional list of AMEX codes, or can that be found elsewhere?
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