Chargeback Reason Code

A chargeback reason code is a numerical code which identifies the specific reasons for the chargeback. VISA and MasterCard each have their own chargeback codes. This feedback may help the merchant and acquirer diagnose errors and improve customer satisfaction, once the chargeback process has begun.

Chargeback reason codes fall into four general categories:

  • Technical – Expired authorisation, non-sufficient funds, or bank processing error.
  • Clerical – Duplicate billing, incorrect amount billed, or refund never issued.
  • Quality – Consumer claims to have never received the goods as promised at the time of purchase.
  • Fraud – Consumer claims they did not authorize the purchase or identity theft.

An example of a chargeback reason code is: chargeback reason code 83 – fraudulent transaction – card not present.

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Payment Processing Services by NOIRE

NOIRE provides industry leading online payment processing services & risk management technologies. Designed using NOIRE, “Simply Switch On”, approach to payment processing, our payment solutions are built using the latest payment processing technology enabling businesses to “Plug In” and “Switch On” payment modules with ease if and when required.

As a leading Payment Service Provider, you can trust NOIRE to find the right solution for your business. We provide everything in one simple agreement – your Internet Merchant Account, Payment Gateway and Payment Processing with all the leading cards issuers. Combined with NOIRE’s industry leading fraud & risk management solutions, merchants can be confident managing their payments safely and securely from beginning to end with NOIRE.

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