This reason code is used when the cardholder claims that their card was used fraudulently without their permission. Each card issuer follows their own standards for defining reason type, code and its format. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. Visa also overhauled its system of chargeback reason codes. The acquirer will review the information, then forward it along to you. Browse. Proof that the cardholder rejected your attempt to correct the quality. Dec 6, 2021 — Betty's bank issued the chargeback for $9. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Updated August 23, 2023. Chargeback reason codes have changed. The card not present chargeback come in as codes 10. As we touched on earlier, chargebacks can happen due to technical errors. There are several types of chargeback reason codes that can be used, including the following: 1. They help categorize cardholder disputes and determine next steps, and they vary by card network. Visa has recently announced changes to its chargeback rules. 1 chargeback: 1. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. underlying your chargeback. The third digit indicates the specific reason within that category. This will also include accepting valid chargebacks, merchants will not have to manage any actions in. Discover: Reason Code 4755 Non-receipts of goods or services. Discover - RG Non-Receipt of Goods, Services, or Cash. 15% -. A reason code is how banks categorize the reason for a chargeback. Find - RG Non-Receipt of Goods, Company, or Coin h. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. F02. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 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. The Federal Reserve Banks use Return Reason Code 6 for items drawn on a retired routing number and Return Reason Code X is used for paper deposited return items converted to image by the Federal Reserve Banks. It's essential to respond within the. If you're contesting a chargeback, you'll need solid evidence. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). Reason Code. For Visa: Reason Code 30; For MasterCard: Reason Code 4855; For Discover: Reason Code; For American Express: Reason Code 155. Order not received fraudulent chargeback notices is represented with the follow-up reason codes: AMEX - C08 Goods/Services Not Received or Includes Parcel Received. 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. Braintree Support Articles. In some cases, Discover notifies merchants of pending chargebacks. This code collects all the. Discover uses unique codes to explain those reasons to merchants. Reason codes are very crucial to assist. EXPERT WITNESSES | CERTIFIED CYBER INVESTIGATORS | BEST OF BREED FORENSIC TOOLS & SOFTWARE. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The codes also appear on financial reporting associated with disputes. ONT: Ontario tax rate area. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. The event group portion of the T-code is sufficient for reconciliation and report parsing. 2 Authorization Your for Original. A reason code is how banks categorize the reason for a chargeback. ”. e above 0. 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. 3: Defective/Not as. You should be. e. 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. Click on “report a problem” and select the transaction in question. Please note that the most common Chargeback reason code for Allocation disputes is 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. 08. 31. 6. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Which is meant to know the reason for the dispute. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). For all other transactions, the maximum amount of. 1: goods not received. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. Versions Affected: v5,. The merchandise was as described or was not defective. However, the only real way to know how these things are impacting your chargeback ratio is to analyze the data. 1. EMV Liability Shift Non-Counterfeit Fraud. Availability Date: October 24th, 2021. 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 CardholderList of Chargeback Reason Codes. 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. As we touched on earlier, chargebacks can happen due to technical errors. Updated: Valid values updated. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). In the case of Reason Code 80, the emphasis falls on best practices for processing key-entered transactions and we have written in detail on that subject before. Find - RG Non-Receipt of Goods, Company, or Coin h. Across open networks and include account numbers sent over email, instant messaging, text, or chat. 3 falls under the “Consumer Disputes” category. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Always ask for authorization regardless of the transaction amount. Accessed October 31, 2022. 1 EMV Liability Shift 10. When the chargeback procedure is used legitimately, chargeback reason codes correspond most of the time to the underlying reality, based on the evidence provided by the cardholder and the. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 10. Other Fraud—Card Absent Environment. Card networks send these codes to merchants to indicate. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. As we touched on earlier, chargebacks can happen due to technical errors. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 4808: This code can refer to: Account Number Not on File. VCR Dispute Reason Code 10. 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. Or fill in the chargeback form because it seems easier than contacting the merchant directly. Reason codes are important to help merchants address recurring. ”. Not recognizing your billing descriptor on a statement. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Although, this fraud detection tool works after the transaction has come completed. Chargebacks typically occur when a customer is dissatisfied with a purchase and requests a refund from their card issuer. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason code, price, billing cycle, and lag time (amount of time between the transaction and the dispute). 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). The actual underlying cause of this chargeback is. Protect stored cardholder data. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. 0: Changed report name from Downloadable Dispute Report to Case Report. A new 4 byte reason code will be used moving forward. The list of chargeback reason codes in this article. The most comprehensive guide to chargeback reason codes. 2=1020 etc. ”. com Europe. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. ”. Check Card A bankcard that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. This chargeback reason code was retired by Visa in April 2018. 4: Other Fraud–Card-Absent Environment. Understanding Chargeback Reason Code for Each Chargeback Request. 1? Visa chargeback reason code 12. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. When a chargeback request is initiated, the customer's bank will provide a reason code that explains the reason for the chargeback. With that said, you still need to understand the reason codes with any chargebacks from Amex. ”. 1. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 3. Issuing banks follow standard rules to validate a chargeback and then associate it with a specific reason code according to the evidence that was provided. The claim often, but not always, involves automated teller machines (ATMs). Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. ” 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. 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. MasterCard - 4855 Goods or Services Not Provided. Today. Pending chargebacks. However, for simplification, they are divided into eight categories:. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. This alphanumeric code corresponds with the specific reason behind the chargeback, such as card-not-present fraud, incorrect currency, misrepresentation, or any other chargeback. Card networks allow cardholders to file disputes for various reasons identified by chargeback reason codes that don't paint the full picture. 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. Where: <event-group> is a two-digit general accounting event group. Discover reason codes. MasterCard - 4863 Cardholder Will Not Recognize - Potential Fraud. The chargeback transfers funds from the acquirer to the issuer. Discover: Reason Code 4755 Non-receipt of goods or services. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. 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. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. Discover uses the four main categories to organize its reason codes: Authorization, Service (Discover’s name for Card Member Disputes), Fraud, and Processing Errors. domestic transactions, the dispute timeline can be based on one of two start dates. The newer system is designed to. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. Also, to fight against the card not present frauds, the merchant needs to have proper security applications. Reason Code 53 Re-presentment Conditions. Updated Disputes/Chargeback Policy Coming April 2024What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. The reason codes are grouped into several broad. Other Fraud—Card Present Environment. For more details feel free to contact Chargeback Expertz at +1 (888) 901-8653 and get hold of an expert. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Understanding these reason codes can help determine how to respond to the chargeback request and in identifying any patterns or. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. 3. MasterCard - 4855 Goods conversely. 0 is to make the chargeback process more efficient, transparent, and fair. Visa Chargeback Reason Codes. These are only a handful of common Visa chargeback reason codes. 3: Goods or services were not as described: C31: RM: 13. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 0. What motives code 4855 chargebacks? Is theory, merchants shouldn't receive chargebacks with reason encipher 4855 anymore. Below is a list of Mastercard chargeback codes used in eCommerce. 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 is valid. 3. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. . Visa Chargeback Reason Codes. This information should be based on the Visa chargeback reason codes assigned to the case. Chargeback Reason Codes The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest. M01 Chargeback Authorization. 10. The way you manage chargebacks depends on your account setup. 3: Defective/Not as Described MerchandiseThe 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. Protect cardholder data. 2. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. 3. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. EMV has been a mostly global standard since 2004. Written by Chargeback Gurus. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Cause. The major card networks have unique reason code systems, and banks use separate tools. Chargeback Reason Coded by Network - 2023 Guide. When used at the point of sale, the transaction is. American Express chargeback reason code C42. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. If you get a chargeback,. 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. Each bank card network has its owner list of reason codes banks must prefer from. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. Based in Los Angeles and founded in. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Also, to fight against the card not present frauds, the merchant needs to have proper security applications. Each card. Code Reason (for Visa) 10. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. There is a USD 25 limit for the First Chargeback (Reason Code 22). 26% - the number of chargebacks that result from undelivered orders. Discover uses unique codes to explain those reasons to merchants. For U. Discover Chargeback Reason Code RG: Non-Receipt of Goods or Services Description The issuing bank received a claim from the cardholder that merchandise or services. The most common causes of this chargeback reason code are when services are not provided, merchandise is not shipped, transaction is billed. Chargeback Reason Codes Visa. Overall returns (all codes): 15%. Code. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardThe assigned chargeback reason code outlines why a customer submitted the dispute. At Visa they used to receive reason code 98. chargeback real reason. pdf), Text File (. A Visa chargeback reason code is a number that identifies the reason why a cardholder disputed a transaction that led to a chargeback. 1 applies when the issuing bank receives the same transaction more than one time. The Return Reason Code could be any of the valid codes listed in the X9. Maestro. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Friendly fraud is challenging for merchants because it’s tough to diagnose. September 2011: 5. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. Invalid Reasons for a DisputeAdded the following fields - Store ID, Credit Card Chargeback Reason Code. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Please see the below “cheat sheet” for the new 4 byte reason codes. Others require banks to wait for a certain period before they can issue a chargeback. Visa - 10. What is Visa chargeback reason code 13. 10. Card networks send these codes to merchants to indicate why a chargeback has been filed. All ACH return reason codes consist of the letter “R” followed by two. However, Visa is the largest card brand in both the United States and the world. For situations where reason code 4855 would utilize, issuers have since assigned go use reason code 4853 choose. There are two types of invalid chargebacks. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. 4846. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. 6: Credit not. Credit card authorization is a notification given by a credit or debit card issuer (i. These disputes are commonly referred to as friendly fraud. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. Transaction unauthorized make up 30% is all. Mastercard: Reason Code 4859 Service not rendered. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Fraudulent Activity. When it comes to the merchant they deal with the worst and many types of chargebacks. Also, remember that the time frame for your response includes any processing required by the acquirer. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itVisa Reason Code 13. Chargeback reason code 10. ” This code indicates is the cardholder requirements the merchant did not release the goods or services the paid for. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Message. The shorthand description is “Goods/Services Not as Described. To track discounts by tax rate area, use discount reason codes that are the same as the tax rate area code. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. 3. May 2011: 5. Aforementioned shorthand description your “Non-Receipt regarding Goods, Services, or Cash. 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. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Spot these types of chargebacks using the below reason codes. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason. Consider Deadlines. Card authorization refers to the actual notification received by a merchant. Order not received fraudulent chargeback notices is represented with the follow-up reason codes: AMEX - C08 Goods/Services Not Received or Includes Parcel Received. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 4 – Counterfeit. 4. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. The transaction amount and authorization number (ARN. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). The list of chargeback reason codes in this article is organized by card brand and type of dispute. 4853 – Cardholder Dispute – Goods or Services Not Provided. Visa Chargeback Reason Codes. 4 Fraud – Card-Absent Environ. Reason Codes Category 1: Authorization. View Our Full List Here. com. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. 104. Assemble Your Evidence. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Protect stored cardholder data. Chargeback reason code 11. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Each chargeback received a numeric code which is known as the “reason code”. com Discover chargeback reason code RG falls under the “Services” category. Each card network maintains reason codes to cover all the disputes that qualify for. The cardholder received the merchandise or service but claims they didn’t receive it. MasterCard: Reason Code 4859 Services not rendered. The main chargeback reasons look like this: Malicious fraud. Step 1: The cardholder disputes a charge. Technical. 1, which covers duplicate processing errors, and 12. But cardholders and merchants have different time limits. MasterCard - 4855 Goods conversely Services Not Provided If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. The reason code helps categorize the chargeback for the card network and issuing bank, and it also tells the merchant how they can fight the chargeback based on the corresponding reason for the. F01. That suggests that in the times when merchants. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. In-Depth Analytics Recognize the really reasons to transaction disputes and solve issues at their source. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Here are some chargeback reason codes by card type. You can learn more about each one by visiting the Mastercard Chargeback Guide. Visit Chargeflow Website. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. Retrieval Request/ Copy request Reason Codes. The merchant ships the merchandise on time or makes the merchandise available for pick up in good time but forgets to inform the customer. Then it chooses the most applicable code for a. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. The only viable strategy for preventing chargebacks having to do with processing errors is training staff on proper card acceptance procedures. Technical. 3 MasterCard Retrieval Reason Codes. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. There are over 80 unique return codes, and each one represents a different type of return. All categories. All chargebacks start with a customer making a purchase in person, in an app, or online. For example, Mastercard has a code which indicates a ‘consumer dispute. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Ethoca alerts can prevent chargebacks before they hit your bank account. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. These codes explain the reason why the chargeback was filed, and the reason. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. 0. High Level Visa Chargeback Dispute Flow. Different card networks have different reason code systems. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Reason Code. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Visa Chargeback Reason Codes. All chargebacks start with a customer making a purchase in person, in an app, or online. ” Those code indicates that the cardholder claims the merchant performed not deliver the goods or services they paid with. Stage 1: First Chargeback. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. 5. A signed work order the proves you completed a correction of the quality of goods or services. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. “Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary. Dispute Category. 265. Verifi's Chargeback Dispute Resolution Network (CDRN) is a network of issuing banks established by Verifi to help merchants prevent chargebacks. Not remembering the original purchase. There are over 80 unique return codes, and each one represents a different type of return. According to Nilson, 56% of global card transactions were done on Visa in 2015. Category.