Reason Codes

VISA
CODE	DESCRIPTION
111	Card Recovery Bulletin
112	Declined Authorization
113	No Authorization
113	No Authorization
113	No Authorization
113	No Authorization
131	Merchandise/Services not Received
132	Cancelled Recurring
133	Not as Described/Defective Merchandise/ Services
134	Counterfeit Merchandise
135	Misrepresentation
136	Credit not Processed
137	Cancelled Merchandise/Services
138	Original Credit Transaction not Accepted
139	Non-Receipt of Cash or Load Transaction Value
101	EMV Liability Shift Counterfeit Fraud
103	Other Fraud—Card Present Environment
102	EMV Liability Shift Non-Counterfeit Fraud
104	Other Fraud—Card Absent Environment
105	Visa Fraud Monitoring Program
121	Late Presentment
122	Incorrect Transaction Code
123	Incorrect Currency
124	Incorrect Account Number
125	Incorrect Amount
1261	Duplicate Processing
1262	Paid by Other Means
127	Invalid Data

DISCOVER
CODE	DESCRIPTION
AA	Does Not Recognize
AP	Recurring Payments
AW	Altered Amount
CD	Credit/Debit Posted Incorrectly
DP	Duplicate Processing
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
RN2	Credit Not Processed
5	Good Faith Investigation
AT	Authorization Noncompliance
IN	Invalid Card Number
LP	Late Presentation
UA01	Fraud—Card Present Transaction
UA02	Fraud—Card Not Present Transaction
UA05	Fraud—Chip Counterfeit Transaction
UA06	Fraud—Chip and PIN Transaction
DC	Dispute Compliance

AMERICAN EXPRESS
CODE	DESCRIPTION
A01	Charge Amount Exceeds Authorization Amount
A02	No Valid Authorization
A08	Authorization Approval Expired
C02	Credit not Processed
C04	Goods/Services Returned or Refused
C05	Goods/Services Cancelled
C08	Goods/Services Not Received or Only Partially Received
C14	Paid by Other Means
C18	No Show or CARDeposit Cancelled
C28	Cancelled Recurring Billing
C31	Goods/Services Not as Described
C32	Goods/Services Damaged or Defective
F10	Missing Imprint
F24	No Cardholder Authorization
F29	Fraud Full Recourse Program
F30	EMV—Counterfeit
F31	EMV—Lost/Stolen
FR2	Fraud Full Recourse Program
FR4	Immediate Chargeback Program
FR5	No Further Recourse
FR6	Partial Immediate Chargeback Program
P01	Unassigned Card Number
P03	Credit Processed as Charge
P04	Charge Processed as Credit
P05	Incorrect Charge Amount
P07	Late Submission
P08	Duplicate Charge
P22	Non-Matching Card Number
P23	Currency Discrepancy
R03	Insufficient Reply
R13	No Reply
S01	Chargeback Reversal Expired
S04	Reversal Request Denied
M01	Chargeback Authorization
M04	Deal Direct
M10	Vehicle Rental—Capital Damages
M11	CM Credited
M19
M36	See Additional Notes
M38	Chargeback Reversed
M42	Chargeback Reversal Expired
OP1	One Point Reason Code

CODE	DESCRIPTION
A02	Authorization Processing Errors
A06	Unissued Account Number
C41	Fraud—Card Present Transaction
C42	Fraud—Card Not Present Transaction
C46	Multiple Charges at Service Establishment Fraudulent Transaction
C50	Suspect Service Establishment—No Response to the Suspected Fraudulent Service Establishment Report
C51	Suspect Service Establishment—Terminated Service Establishment
C53	Fraud—Chip Card Counterfeit Transaction
C54	Fraud—Lost or Stolen Chip and PIN Card Transaction
D61	Altered Amount
D62	Non-Receipt of Goods or Services
D65	Incorrect Transaction Type
D66	Credit not Processed
D67	Cardmember Paid by Other Means
D69	Canceled Recurring Transactions
B24	Late Presentation
B25	Duplicate Charge
B26	Alternate Settlement Currency Incorrect Exchange Rates
B27	Incorrect Currency