- Code Glossary
-
- Chargeback Reason Codes
Chargeback Reason Codes
| AMERICAN EXPRESS | |
|---|---|
| CODE | DESCRIPTION |
| A01 | Charge Amount Exceeds Authorization Amount. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. The charge submitted represents an amount in excess of the approval code received. |
| A02 | No Valid Authorization. The charge you submitted did not receive a valid authorization approval code. |
| A03 | A valid six digit authorization code was not provided in your submission file. Your establishment must be able to obtain, capture, and transmit a valid six digit authorization approval code. |
| A04 | We show no record of your establishment receiving a valid authorization approval code. At the time of the sale, your establishment was advised through your authorization system to call in directly to American Express. |
| A05 | We were unable to locate an authorization approval code on our records with the information given on the charge. |
| A06 | The charge represents an amount in excess of the limit agreed upon in our contract with your establishment, and we have been unable to verify that your account obtained an overlimit authorization approval code. |
| A07 | Our records indicate that authorization for this charge was declined. |
| A08 | Authorization Approval Expired. The charge was submitted after the authorization approval code expired. Authorization approval codes are valid for 30 days. All transactions submitted more than 30 days after theauthorization date require re-authorization. |
| A09 | Authorization approval codes are valid for 30 days. All transactions submitted more than 30 days after the authorization date will require a re-authorization or become your liability, if the transaction proves to be fraudulent. |
| A10 | The submitted transaction did not receive a valid approval code. We have issued a chargeback for a portion of theunauthorized submitted charge. |
| C01 | We have not received the credit you agreed to provide to the cardholder's account. We are obligated by Federal law to respond to the cardholder within a specified period of time. |
| C02 | Credit Not Processed. We have not received the credit you agreed to provide to the cardholder's account. |
| C03 | Our records do not reflect credit to the cardholder account was received from your establishment. If your records reflect credit was issued, please provide us with the summary amount and check date this credit was processed. |
| C04 | Goods / Services Returned or Refused. The cardholder has provided proof that the merchandise was returned. |
| C05 | Goods / Services Canceled. The cardholder has provided supporting documentation that the merchandise ordered was canceled. |
| C06 | Per your agreement with American Express, when you give a refund for a purchase made with the card, you must credit that card account. Please deal directly with the cardholder for reimbursement. |
| C07 | American Express will support your return policies in the event of a dispute provided the policies are on a copy of the receipt or record of the charge that the cardholder signs. Please deal directly with our mutual customer for resolution. |
| C08 | Goods / Services Not Received or Only Partially Received. The charge represents merchandise that has not been received by the cardholder. We are not able to bill the cardholder for merchandise not in their possession. |
| C09 | An establishment cannot bill a cardholder for services not rendered. |
| C10 | We previously contacted you regarding this recurring billing, and your establishment authorized us to debit your account. Therefore, please discontinue all future billing. |
| C11 | The dollar amount on the record of charge your establishment submitted was improperly altered to reflect a greater amount than what the cardholder originally signed for. |
| C12 | The dollar amount on the record of charge submitted was altered to reflect a greater amount that what the cardholder signed for. Once a cardholder signs a record of charge, the amount may not be altered except when delayed charges are permitted in your Agreement. Such circumstances are not present in this case. |
| C13 | The cardholder has paid for the charge directly, and therefore should not have been billed to his/her American Express account. The documentation that the cardholder provided supported the claim. |
| C14 | Paid by Other Means. The cardholder has provided us with proof of payment by another method. |
| C15 | The cardholder has provided us with proof of payment by voucher. Please deal directly with the issuer for recovery of funds. |
| C16 | The requirements in the CARDeposit Agreement only permit cardholders with a billing address in the United States, Canada, Puerto Rico, or the U. S. Virgin Islands to be billed for this service. |
| C17 | This American Express card account is not valid in the United States. Please deal directly with the cardholder for recovery of funds. |
| C18 | No Show or Card Deposit Canceled. The cardholder's account was charged for a "no-show" billing despite canceling the reservation. The cardholder obtained the cancellation number listed. |
| C19 | The cardholder's account was charged for a "no-show" billing as well as a valid billing. |
| C20 | Only one day can be billed for an Assured Reservation no-show. |
| C21 | Your account is not enrolled in our Assured Reservation Program; therefore, you may not bill for no show charges. |
| C22 | In order for an Assured Reservation to be valid, the cardholder's name, address, card number, and expiration date must be referenced on the reservation. |
| C23 | In order for a guaranteed reservation to be valid, the cardholder's address and expiration date must be referenced on the reservation. |
| C24 | Please be advised that you are not permitted to bill for guaranteed reservations. |
| C25 | Our cardmember received the merchandise. |
| C26 | Please discontinue all future billings to this account. |
| C27 | Our mutual customer no longer disputes the charge(s). Please discontinue further investigation. |
| C28 | Canceled Recurring Billing. This charge has been submitted after you were advised to discontinue all future billing. |
| C29 | The support your establishment provided indicates that our cardmember was overcharged at the time of transaction. |
| C31 | Goods / Services Not as Described |
| C32 | Goods / Services Damaged or Defective |
| F01 | The charge you submitted did not receive a valid authorization approval code for the amount of the charge. |
| F02 | The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. |
| F03 | The agreement the cardholder signed is an agreement between your establishment and the cardholder, not American Express. Please deal directly with the cardholder for resolution. |
| F04 | The information obtained via phone, fax or letter is not valid authorization for your establishment to bill the cardholder's account. The card should be presented and a valid signature obtained, regardless of any other arrangements. |
| F05 | No signature, swipe, or imprint of the card was obtained when the merchandise and/or tickets were picked up. |
| F06 | Your client information does not match that of the cardholder information. |
| F07 | American Express is not in the position to act as a collection agent in regards to penalties, fines, damages, losses, cash or returned/canceled checks. |
| F08 | Your service establishment was unable to support a "signature on file" charge. Please deal directly with the cardholder for payment. |
| F09 | When merchandise is picked up from your establishment, the American Express card should be presented, a valid signature, and imprint or swipe of the card obtained. |
| F10 | Missing Imprint. Our records indicate that American Express did not receive all of the card’s magnetic stripe data on the authorization request. If this charge was keyed into your POS device, then an imprint of the card is required. |
| F11 | The signature is not that of the cardholder's. Please be advised that the American Express card is not transferable. Only the cardholder whose name appears on the front of the card is authorized to make charges. |
| F12 | The signature is misspelled. Please be advised that the American Express card is not transferable. Only the cardholder whose name appears on the front of the card is authorized to make charges. |
| F13 | The signature on the copy differs from the name imprinted on the card. This may be due to double imprint or switched cards at your establishment. |
| F14 | A cardholder signature was not obtained to support this transaction. |
| F15 | American Express recognizes this transaction as a self-directed charge and that signed documentation is not available. In accordance with the Terms and Agreement, we are debiting your account. |
| F16 | The merchandise was not shipped to the cardholder's billing address and the merchandise was not ordered or received by the cardholder. |
| F17 | The ticket(s) were sent to an address other than the cardholder address and never received. An affidavit has been provided for your records. |
| F18 | The merchandise was shipped to an address other than the cardholder's billing address and the cardholder has disputed the billing. |
| F19 | The cardholder claims no merchandise was received and the address the merchandise was sent to is not the cardholder's billing address. |
| F20 | The cardholder's card was expired when the charge was accepted by your service establishment. |
| F21 | The cardholder's card was not valid when the charge was accepted by your service establishment. |
| F22 | The card was expired or not yet valid when it was accepted by your service establishment. |
| F23 | The cardholder's card was expired when the ticket was accepted by your service establishment. |
| F24 | No Card Member Authorization. |
| F25 | The charges submitted did not receive an authorization approval code for the total amount of the charge. |
| F26 | The name provided on the transaction is not the cardholder's name. |
| F27 | The support your establishment provided does not bear the cardholder's name. |
| F28 | The charge(s) are ticket by mail or electronic tickets. If a cardholder claims fraudulent usage of the card, even if your establishment obtains an authorization approval code, no inquiry will be sent and we have the right to charge your establishment. |
| F29 | Card Not Present |
| F30 | EMV Counterfeit |
| F31 | EMV Lost/Stolen/ Non-Received |
| FR1 | Your establishment is on a Full Recourse/Immediate Chargeback program under your agreement with American Express, which provides that you will not receive inquiries or notices of cardmember claims of fraudulent card usage prior to our final exercise of Full Recourse for the Disputed Charge, even if you received authorization for it. |
| FR2 | Fraud Full Recourse Program. Your establishment is on a Full Recourse agreement with American Express. This agreement states that if a cardholder claims fraudulent usage of the card, even if your establishment obtains an authorization approval code, no inquiry will be sent and we have the right to charge your establishment. |
| FR3 | The support has been provided to the cardholder, who still claims no knowledge of the charge. |
| FR4 | Immediate Chargeback Program. Your establishment is on an Immediate Chargeback agreement with American Express. Please discontinue all future billings, if applicable. |
| FR5 | Your account is on the Immediate Chargeback program. Under these circumstances, disputed charges are debited from your account with no further recourse. These chargebacks cannot be reversed unless you issue a credit to the account, or the cardholder advises the charge(s) are valid. |
| FR6 | Partial Immediate Chargeback Program. Your establishment is on a Partial Immediate Chargeback agreement with American Express. Please discontinue all future billings, if applicable. |
| FR40 | Your establishment is on an Immediate Chargeback agreement with American Express. Please discontinue all future billings, if applicable. |
| M01 | Chargeback Authorization. We appreciate your response to the request for information. We have received and processed your chargeback authorization. |
| M02 | As requested, we have processed the credit your establishment submitted. The debit adjustment will appear on a future check/advice. |
| M03 | We had received an authorization from your office to debit your account. A copy of the correspondence has been provided for your records. |
| M04 | We previously received your authorization to debit your account. Federal law prohibits us from rebilling the cardholder's account once we have advised them the credit will remain. Please deal directly with the cardholder for resolution on this matter. |
| M05 | Your service establishment authorized credit to the cardholder's account. Cardholder does not agree to amount billed. |
| M06 | Our records indicate that full data stream information was not provided. American Express requires that when the card is swiped, full electronic data information must be transmitted when requesting authorization for your charge(s). Please check with your POS provider, acquiring bank or processor to correct the problem. |
| M07 | Your agreement with American Express states cardholders can only be billed for room rental charges, not for damages. Please deal directly with the cardholder for payment. |
| M08 | Our records indicate your establishment submitted a charge for damages. The American Express card is valid for goods and services only. |
| M09 | Your contract with American Express does not permit billing for damages. Please contact the cardholder directly regarding this matter. |
| M10 | Vehicle Rental - Capital Damages. Your establishment may only bill for capital damages when you have obtained a signed and dated acknowledgment of responsibility from the cardholder after the damage is incurred. A valid acknowledgment of responsibility form must include a detailed listing of the damage incurred, a repair cost estimate and a cardholder’s agreement to be billed on the American Express card. Please deal directly with our mutual customer for resolution. |
| M12 | This charge is a resubmission of a previously returned charge and is therefore invalid. An adjustment debiting your account has been processed. Your establishment must deal with the cardholder directly or obtain signed authorization to bill the cardholder's account for this charge. |
| M13 | We are unable to resolve the cardholder's dispute for the goods and services charge. Please contact the cardholder directly in this instance. |
| M15 | This account is no longer active. Please discontinue all future billing and contact your client for new billing arrangements. |
| M16 | The charge was incurred after the account was canceled. |
| M17 | The cardholder's account had been canceled at the time the charge was incurred. |
| M18 | We previously advised your establishment to discontinue all further billings to this inactive account. Please discontinue all future billings and contact your client directly for new billing arrangements or for any payment due. |
| M30 | The file submitted was not processed because it appears to be a duplicate of a previously processed file from your establishment. |
| M32 | We have processed an adjustment to your account. This adjustment represents your share of the media costs incurred in your participation in our cooperative advertisement program. |
| M34 | Your service establishment is not on our CARDeposit program, therefore, you may not bill this type of charge. |
| M35 | Please see the additional information below for an explanation of this adjustment. |
| M36 | (Specify) |
| M37 | The credit must be processed to the cardholder's American Express account. Please deal directly with the cardholder in this instance. |
| M41 | The support has been provided to the cardholder, who still denies the charge. An affidavit has been provided for your records. |
| M47 | This adjustment was processed due to the cardholder claiming no knowledge of the passenger and or charge. |
| M48 | We have reversed the debit to your account as a courtesy. Please make sure that all supporting documentation is received in our office by the reply by date to avoid these types of debits. Please note, that we cannot guarantee that we will be able to reverse these chargebacks in the future. |
| P01 | Unassigned Card Number. You have submitted a transaction to us for an invalid or otherwise incorrect cardholder account number, and we are unable to identify the correct account number. You may resubmit the item to us if you are able to verify and provide the correct American Express cardholder account number. |
| P02 | You have submitted a transaction to us for an invalid or otherwise incorrect cardholder account number, and we are unable to identify the correct account number. You may resubmit the item to us if you are able to verify and provide the correct American Express cardholder account number. |
| P03 | Credit Processed as Charge |
| P04 | Charge Processed as Credit |
| P05 | Incorrect Charge Amount. The transaction referenced was processed in the wrong amount. |
| P06 | The charge was submitted late. |
| P07 | Late Submission. The charge was not submitted within a reasonable time period after the charge was incurred. Charges must be submitted to us at least weekly. |
| P08 | Duplicate Charge. The cardholder claims that the same transaction was submitted and posted twice to his/her account. If the cardholder is incorrect, please send us support of both transactions. |
| P10 | Our records indicate that the cardholder has been duplicately billed for the same ticket(s). Copies of the ticket(s) have been provided for your records. |
| P11 | The cardholder was claiming duplicate billing, and you did not provide support for all the charges. |
| P14 | This charge is invalid as the account number has not been assigned to an American Express cardholder. |
| P15 | Your complete response was not received within the specified time frame. To avoid similar debits in the future, please make sure all supporting documentation is received in our office by the reply by date on the inquiry. |
| P16 | Your merchant agreement with American Express contains a specified time frame for response to our inquiries. Unfortunately, your original response was not received within that time frame. |
| P17 | We recently requested information from you about the charge(s) made at your establishment. We asked you to respond by a specified date, but that date has passed and unfortunately we have not heard from you. Consequently, we must now charge your account for the adjustment amount(s) indicated below. |
| P18 | We appreciate your response to our request for information about the (charge(s) made at your establishment. However, we have not received the credit(s) you agreed to provide. We regret that we must therefore debit your account for the adjustment amount(s) indicated below. |
| P19 | Our records indicate that a charge from your establishment was submitted on an invalid plastic number. |
| P20 | Our records indicate that a credit from your establishment was submitted on an invalid plastic number. |
| P21 | Transaction was submitted on a test account number. |
| P22 | Non-Matching Card Number |
| P23 | Currency Discrepancy |
| R01 | Signed proof of delivery and/or complete shipping information was not provided as requested. Your establishment must provide signed proof of delivery to the cardholder's billing address. |
| R02 | Delivery address was not provided as requested. Your establishment must provide signed proof of delivery to the cardholder's billing address. |
| R03 | Insufficient Reply. Complete signed support and/or itemization was not provided as requested on the charge(s). |
| R04 | The cardholder's dispute as stated in the inquiry was not addressed in your reply. |
| R05 | The American Express card is not a check guarantee card. The card can only be used to bill goods and services. An establishment cannot bill a cardholder's account for a check which has been returned. Please deal directly with the cardholder in this instance. |
| R06 | The cardholder has no knowledge of the address and/or phone number on the support provided. The merchandise was not ordered or received by the cardholder. |
| R07 | The delivery address and signed proof of delivery was not provided. |
| R08 | As of August 1996, an update to all merchant contracts requires that you swipe the card through your POS device whenever possible, and send full information from the card's magnetic stripe to American Express on every swiped chargeauthorization. If the card was not swiped through the POS device, then the contract requires that you obtain an imprint of the card. Our records indicate that American Express did not receive all of the card's magnetic stripe data on theauthorization request. If this charge was keyed into your POS device, then an imprint of the card is required. If you are convinced that you swiped the card for this transaction, your POS device may require maintenance to ensure that the card's magnetic stripe is being read and sent to American Express correctly and/or your processor failed to pass this data to American Express. Please check with your POS provider, acquiring bank or processor to correct the problem. |
| R09 | You did not provide the signed registration cards indicating that the cardholder was responsible for the other guests involved. |
| R10 | The support provided did not contain name and/or signature. An affidavit has been provided for your records. |
| R11 | American Express requires a signature of a cardholder when support has been requested. When you cannot provide the cardholder's signature as authorization for a charge, you must issue credit to the account. Since credit was not issued, the charge was returned to your establishment. |
| R12 | We have not received sufficient support to allow us to rebill the cardholder. |
| R13 | No Reply. We previously requested information from you regarding the charge incurred at your establishment. We did not receive a response to our inquiry. Your establishment agreement requires you to respond within a specific timeframe as stated on the inquiry. Under the Fair Credit Billing Act we are obligated by law to respond to the cardholder within a specified period. |
| R14 | Your merchant agreement with American Express contains a specified time frame for response to our inquiries. Unfortunately, your original response was not received within that time frame. Please deal direct with the customer. |
| R15 | The support you previously agreed to send was not received. |
| R17 | Thank you for the information you sent in support of the charge. A debit for no reply was previously issued to your account. We are unable to reverse this debit, as we did not receive this information in sufficient time to allow us to rebill the cardholder account. Your replies must be received in our office on or before the reply by date specified on each inquiry. We therefore have no alternative but to suggest that you attempt to collect directly from the cardholder for this transaction. |
| R20 | We did not receive your reply within the specified time frame. If you have signed proof of delivery to the cardholder's billing address, you may re-bill the cardholder. |
| R21 | Your reply was received after we charged your account. |
| R23 | Your terms and conditions and/or proof of usage by the cardholder was not provided as requested. |
| S01 | Your request for a chargeback reversal has been reviewed. The chargeback will remain and your account will not be credited. |
| T01 | We have provided proof that the ticket(s) were returned and no credit to the cardholder's account was received. |
| T02 | The ticket(s) were voided and credit to the cardholder's account was not received. |
| T03 | The ticket(s) are mirror imaged ticket(s). |
| T04 | The lost ticket review period has elapsed and credit to the cardholder's account was not received. |
| T05 | The charge(s) were not authorized by the cardholder. The charge(s) represent change fees made by the passenger other than the cardholder. |
| DISCOVER | |
|---|---|
| CODE | DESCRIPTION |
| AA | Does Not Recognize |
| AP | Canceled recurring payment. |
| AT | Authorization Non-compliance |
| AW | Altered amount. |
| CD | Credit/Debit Posted Incorrectly |
| CR | Canceled reservation. |
| DA | Declined authorization. |
| DC | Dispute Compliance |
| DP | Duplicate processing. |
| EX | Expired card. |
| IC | Illegible Sales Date. Illegible transaction documentation provided to chargeback case. |
| IN | Invalid card number. |
| IS | Missing signature on draft retrieval. |
| LP | Late presentment. |
| NA | No Authorization |
| NC | Not classified elsewhere. |
| NF | Non-Receipt of Cash from ATM |
| PM | Paid by Other Means |
| RG | Non-Receipt of Goods, Services, or Cash |
| RM | Cardholder Disputes Quality of Goods or Services |
| RN | Credit not received. |
| RN2 | Credit Not Processed |
| TF | Dispute issued by Discover for a violation of their processing rules. |
| UA01 |
Fraud / Card Present Environment |
| UA02 |
Fraud / Card-Not-Present Environment |
| UA05 |
Fraud / Chip Counterfeit Transaction |
| UA06 |
Fraud / Chip-and-Pin Transaction |
| UA10 | Request Transaction Receipt (swiped card transactions). Required signed receipt for key entered sale. |
| UA11 | Cardholder claims fraud (swiped transaction, no signature) |
| UA20 | Request transaction documentation for key entered sale. |
| UA30 | Request transaction information for card not present sale. |
| 05 | Good Faith Investigation |
| MASTERCARD | |
|---|---|
| CODE | DESCRIPTION |
| 2001 | Invalid acquirer reference data; documentation was received or was not required. |
| 2002 | Non-receipt of required documentation to support chargeback. |
| 2003 | Correct transaction data provided. |
| 2004 | Invalid data record text. |
| 2005 | Correct MCC provided. |
| 2008 | Issuer authorized the transaction. |
| 2011 | Credit previously issued. |
| 2700 | See corresponding documentation/chargeback remedied. |
| 2701 | Duplicate chargeback. |
| 2702 | Past chargeback time limit. |
| 2703 | Requested transaction documentation provided (hardship variance). |
| 2704 | Invalid data record text. |
| 2705 | Correct MCC provided. |
| 2706 | Authorization advised suspicious. |
| 2707 | No authorization required or attempted. |
| 2708 | Account was not listed on the applicable electronic warning bulletin as of the transaction date. |
| 2709 | Documentation received was illegible. |
| 2710 | Scanning error-unrelated documents or partial scan. |
| 2713 | Invalid chargeback. |
| 2870 | Chip liability shift. |
| 2871 | Chip/PIN liability shift. |
| 4801 | Requested transaction information not received. |
| 4802 | Requested/required information illegible or missing. |
| 4807 | Warning bulletin file. |
| 4808 | Authorization Related Chargeback. Requested/required authorization not obtained. |
| 4812 | Account number not on file. |
| 4831 | Transaction amount differs. |
| 4834 | Cardholder Debit More than Once for the Same Goods or Services. |
| 4835 | Card not valid or expired. |
| 4837 | No cardholder authorization. |
| 4840 | Fraudulent processing of transactions. |
| 4841 | Canceled Recurring or Digital Goods Transaction. |
| 4842 | Late presentment. |
| 4846 | Incorrect Currency Code. Correct transaction currency code not provided. |
| 4847 | Requested/required authorization not obtained and fraudulent transaction. |
| 4849 | Questionable merchant activity. |
| 4850 | Installment billing dispute. |
| 4853 | Cardholder disputes - services/merchandise defective or not as described. |
| 4854 | Cardholder disputed - not elsewhere classified (US cardholders only). |
| 4855 | Goods or services not provided. |
| 4857 | Card activated telephone transactions. |
| 4859 | Addendum, no-show, or ATM dispute. |
| 4860 | Credit not processed. |
| 4862 | Counterfeit transaction - magnetic stripe POS fraud. |
| 4863 | Cardholder does not recognize - potential fraud. |
| 4870 | Chip liability shift. |
| 4871 | Chip Liability Shift - Lost/Stolen/Never Received Issue (NRI) Fraud |
| 4999 | Domestic chargeback dispute (Europe only). |
| VISA | |
|---|---|
| CODE | DESCRIPTION |
| 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 |
| 12.6.1 | Duplicate Processing |
| 12.6.2 |
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 |
| 30 | Services not provided or merchandise not received. |
| 41 | Canceled recurring transaction. |
| 53 | Merchandise defective or not as described. |
| 57 | Fraudulent multiple transactions. |
| 60 | Requested sales draft copy illegible or invalid. |
| 62 | Counterfeit transaction. |
| 70 | Account number on exception file. |
| 71 | Declined authorization. |
| 72 | No authorization obtained. |
| 73 | Expired card. |
| 74 | Late presentment. |
| 75 | Cardholder does not recognize transaction. |
| 76 | Incorrect transaction code. |
| 77 | Non-matching account number. |
| 79 | Requested transaction information not received. |
| 80 | Incorrect transaction amount or account number. |
| 81 | Fraudulent transaction (card present). |
| 82 | Duplicate transaction. |
| 83 | Fraudulent transaction (card not present). |
| 85 | Credit not processed. |
| 86 | Paid by other means. |
| 90 | Services not rendered (ATM or Visa Travelmoney). |
| 93 | Risk identification service (RIS). |
| 96 | Transaction exceeds limited amount. |
