All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. This reason code has been retired. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. Documentation must be a direct result of cardholder communication. Top chargeback reason codes Mastercard reason code. MasterCard Chargeback Reason Codes: Authorization Issues (Codes 3000 - 3011). Chargeback-Verfahren. 4:. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. For reason code 4863 (Cardholder Does Not Recognize), supporting documentation like a letter or email from the cardholder is required. Documentation must be a direct result of cardholder communication. Region Only) 4855 Goods or Services Not Provided. Mastercard chargeback reason code 4860: Credit Not Processed covers situations where the cardholder claims they are due a credit, but believes the merchant did not provide it. This provided a number of insights into the typical. Fraud rate: The total percentage of fraudulent transactions compared to. 3 Conditions. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is two or greater. Please refer to chapter 5 for more information. Customer Dispute. 4847. The Discover. Spot these types of chargebacks using the below reason codes. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Discover Card Chargeback and Dispute Rules. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Download PDF . Cardholder does not recognise. For example, 100 e-commerce first presentment fraud chargebacks in the current month divided by 10,000 e-commerce transactions in the For many merchants, reason code 4863 is one of the most commonly used classifications for disputes. Expedited Dispute Resolution forms will not be allowed. A chargeback is a transaction that is disputed by a cardholder or issuer. EFM identifies MIDs exceeding defined and established. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Level 3/Phase 3: Second presentment, second chargeback, or pre-arbitration. How to test a dispute. EN. (See below) You update the When rule accordingly. R03 Insufficient Reply. This ranges anywhere from roughly 60 to 90 days after purchase. e. Offer shipment and delivery tracking. 1 compliance release). Expedited dispute resolution forms are no longer allowed. In this case, the cardholder doesn’t. This may be done by either the merchant or the issuing bank. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. The reason code used to describe the dispute will determine the chargeback time limit. Reason Code Description; 10. S. The assigned chargeback reason code outlines why a customer submitted the dispute. 6). Unrecognized Chargebacks. For more details feel free to contact Chargeback Expertz at +1 855-465-4723and get. 5. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. ”Authorization and 4863-Cardholder Does Not Recognize-Potential Fraud). Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Such chargeback is treated as a priority by. . Reason code 4863 (Cardholder Does Not Recognize) can no longer be used. For more details feel free to contact Chargeback Expertz at +1 855-465-4723and get. ACS Number – The automated case number (ACS) assigned to the chargeback/reversal. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. Only an issuer can initiate the chargeback process. Like (0) Hello, For MasterCard disputes (not on MasterCom yet) we. Card Type Reason Code Number two: Product Not Received chargebacks. Proprietary. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Authorization. During this process, the representative of the institution examines the reasons’ list. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about the MasterCard – 4863 Cardholder Does Not Recognize – Potential Fraud. for chargeback reason code 4863 (Cardholder Does Not Recognize). The sales receipt and/or date and amount of the authorization if other than the transaction date. 6. Visa Chargeback Reason Codes. Cardholder Dispute — Not Elsewhere Classified (U. Reason codes. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Now we are very familiar with the word ‘Chargebacks’ from the expert at Chargeback Expertz. FR6 Partial Immediate Chargeback Program. Reason Code. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. 4863 – Cardholder Does Not Recognize – Potential Fraud: 120 days. Discover is a credit. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeChargeback reason codes; Chargeback Reason Codes. Expedited Dispute Resolution forms will not be allowed. Since it is such a popular reason code, a logical assumption would be that eliminating it would have a significant impact on the ecosystem. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. 5. Fraud-related Chargebacks • FNS Counter Exceeds 25 Fraud-Related Chargebacks. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. 4 Fraud – Card-Absent Environment. 4863 Cardholder does not recognize - potential fraud (US Only) 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift;for chargeback reason code 4863 (Cardholder Does Not Recognize). These may impact the dispute time limits. 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. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeJan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. For defective or “Not as Described” reason codes. High Level Visa Chargeback Dispute Flow. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. 4807 – Warning Bulletin File. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Reason code 4842 (Late Presentment) was retired. Mastercard. The network hasn't wholly disallowed. Regards, Arun Kumar. Summary of Changes, 13 December 2018The reason codes – 4863 (MasterCard), R04 (AmEx) and AA (Discover) can help you get more details related to it. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. 3 Fraud – Card-Present Environment. A chargeback happens when a customer requests for a transaction to be. Date – Date the chargeback or reversal was processed to your bank account. for chargeback reason code 4863 (Cardholder Does Not Recognize). 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. A new 4 byte reason code will be used moving forward. Additionally, only certain chargeback reason codes are covered: Reason Code 4837 - No Cardholder Authorization. 1 Minimum Chargeback Amount; subsequent sections are renumbered In 6. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Mastercard limits issuers’ chargeback rights for Reason Code 4863–Cardholder Does Not Recognize. 4859 Service not rendered. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized face-to-face. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. The Update dispute status endpoint generates this event. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Check the chargeback reason code. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. 3. 1=1010,. Specify the invoice date and net due date to assign to chargebacks. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 75: Cardholder does not recognize transactions. Magnetic Stripe POS Fraud MASTERCARD 4863 Cardholder does not Request for NO YES recognize- Possible Fraud Information MASTERCARD 4903 Documentation received was Other YES YES invalid/incomplete MASTERCARD 4905 Invalid Acq Ref Data on Other NO YES Second. The list of chargeback reason codes in this article is organized by card brand and type of dispute. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardVisa categorizes these types of disputes as “first-party misuse” under their reason code 10. 4841. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Overview. Mastercard Reason codes fall under four categories. Customer details including delivery address and a description of what the service/goods were provided. An issuer must not submit a chargeback using this message reason code for any of from FRAUD 101 at Dr. This is a list of possible reasons that might result in a chargeback ( reason code CBN ): MC 4801 Requested Transaction Data Not Received. . 1, 5 January 2016. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Chargebacks occur. But, it could be up to 540 days, in some situations. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeKnowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognizeminimum chargeback amount of GBP 10 that is currently applicable in the United Kingdom for certain reason codes. 4807 – Warning Bulletin File. Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. That’s because customers often use the. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Cardholder Disputes. 02/10/16 Added Debit Chargeback Reason Codes. 4846. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Mastercard /. Reason code 4840 (Fraudulent Processing of Transactions) can no longer be used. How do you use reason codes? A chargeback often has a reason code associated with it. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is two or greater. All rights reserved. Multiple Authorization Requests. Include the scheme specific reason code, for example 4863 for `Cardholder does not recognize - Potential Fraud`. Common Bank Chargeback Reason Codes. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. It. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 4863: Cardholder Does Not Recognize—Potential Fraud: None: Fraud: 4870: Chip Liability Shift: None: Fraud: 4871: Chip/PIN Liability Shift: None: Fraud. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Once you know why a chargeback happened, you can start building a case to address the claims that were. The terms may be different, but the process remains fairly unchanged. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 4808: Requested/Required Authorization Not Obtained. for chargeback reason code 4863 (Cardholder Does Not Recognize). For all of Europe, merchants that want to be able to accept Maestro debit. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Description: Updated Chargeback Reason Code. You can learn more about each one by visiting the Mastercard Chargeback Guide. Summary of Changes, 13 December 2018The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Documentation must be a direct result of cardholder communication. Sift’s MasterCard chargeback reason code guide features every single MasterCard reason code, its description, expert insights, and real world examples. Reason code 4840 (Fraudulent Processing of Transactions) can no longer be used. 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. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. The documentation must be a direct result of communication with the cardholder. Download our. 120 calendar days after the service was cancelled or the goods were returned; 120 days after credit documentation is issued (day zero is the date published on the document, the date of the merchant’s. 0. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. With over 13 years of experience in banking, chargeback management, fraud detection and prevention, I have a long track record of successfully investigating chargeback trends, implementing effective anti fraud programs and. These may impact the dispute time limits. 4 (1040) (Visa) Card-not-present fraud: F24. Solutions available. Time Limit. 2. Summary of Changes, 13 December 2018for chargeback reason code 4863 (Cardholder Does Not Recognize). Pages 100+ Identified Q&As 7. M49 Vehicle Rental – Theft or Loss of Use. Visa recently shortened chargeback time limits from 45 days to 30. 1: EMV Liability Shift: 10. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Request authorisation not obtained. Be transparent about your products. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. 4863: Cardholder Does Not Recognize—Potential Fraud: Fraud: 4870: Chip Liability Shift: Fraud: 4871: Chip/PIN Liability Shift: Fraud: 4807: Warning. 3: Card-Present Environment. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code: Definition: 10. 4860 Credit Not Processed. reason code information. 4863: Cardholder Does Not Recognize – Potential Fraud 4831: Transaction amounts differ 4853: Cardholder disputeChargeback reason codes. A successful 3-D Secure transaction is protected against the following CNP chargeback codes:. A chargeback happens when a customer requests for a transaction to be reversed. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Time Limit in Calendar Days. 5. FR6 Partial Immediate Chargeback Program. Request Due to Cardholder Dispute 044Transaction Documentation Request for Fraud Analysis Good Faith Investigation. Below is a list of Mastercard chargeback codes used in eCommerce. As per the Chargeback Guide, the UCAF indicators must be the values from 211 to 915. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. One of the most common Chargeback reason codes is caused when the goods or servicesare not received by the customer. Only use EMV-compliant terminals. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. See full list on chargebackgurus. Visa chargeback reason codes retrieved from Visa. Chargeback Prevention Alerts Resolve customer disputes quick before they werde chargebacks. Each MasterCard chargeback reason code has its own designated time limit within which it must be initiated. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Mastercard Reason codes fall under four categories. Check with the issuing banks to determine what time limits may apply to you. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Reason Code 4863. List of Chargeback Reason Codes. Discover uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. UA06 Fraud – Chip and PIN Transaction. Also, remember that the time frame for your response includes any processing required by the acquirer. 1: Use the corresponding dates from the invoice. UA05 Fraud – Chip Counterfeit Transaction. 4: “Other Fraud. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. The third digit indicates the specific reason within that category. The reason codes are grouped into several broad. Expedited Dispute Resolution forms will not be allowed. FR4 Immediate Chargeback Program. Additionally, one clearing transaction. Expedited Dispute Resolution forms will not be allowed. The chargeback can be for the total transaction amount or a lesser amount. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. 4854. 4870 – Chip Liability Shift. Transaction unauthorized make up 30% of all chargeback reason codes. The network plans to reduce response times even further to just 20 days in the near future. 12, 1 December 2015, Authorization-related Chargeback Sections Combined. Chargeback Rate (fraud Reason code only) Fraud Chargeback Amount 3DS Mastercard payment; Excessive: Minimum of 1,000 e-commerce Mastercard payments: 0. The most comprehensive guide to chargeback reason codes. M49 Vehicle Rental – Theft or Loss of Use. Reason codes are important to help merchants address recurring. Each chargeback received a numeric code which is known as the “reason code”. 4 4863 4837 5967 7995 6051 4829 MC Other Fraud-Card Absent Environment No cardholder authorization Cardholder does not recognize - Potential fraud This value indicates the cardholder was authenticated by the issuer withMost Common Chargeback Reason Codes #3: Order Significantly Not as Described. 11/03/15 Updated these MasterCard. There are two parts to this. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. However, the 30 day waiting period can be waived if you’ve. MasterCard: Reason Code 4859 Services not rendered. Mastercard is reducing the chargeback filing time frame specifically for issuers from 120 to 90 days, in cases involving Mastercard chargeback reason code 4834 (Point of Interaction Error). 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. If left empty, the chargeback will be considered non-fraudulent. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. S. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. As per the Chargeback Guide, the UCAF indicators must be the values from 211 to 915. If left empty, the chargeback will be considered non-fraudulent. Specifically, these updates only pertain to transactions that are charged back after Oct. Technical. 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. Cyber-criminals have benefited from on-line banking (OB), regardless of the extensive research on financial cyber-security. Summary of Changes, 13 December 2018Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. For example, some reason codes offer cardholders over a year to file. Mastercard. Simplify reason codes; Let’s look at each of these objectives a little more closely. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. The most comprehensive guide to chargeback reason codes. Terms and conditions. 12, 1 December 2015, Authorization-related Chargeback Sections Combined. 5. For example, the acquirer for a MID with 500 chargebacks would besection into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. MasterCard time limits vary depending on the applicable reason code. 4871 – Chip/PIN Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud . Fraud 4837 No Cardholder Authorization 4840 Fraudulent Processing of Transactions 4849 Questionable Merchant Activity 4863 Cardholder Does Not Recognize—Potential Fraud. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. 16, 2021. To dispute this type of chargeback, you need to provide the following: Evidence that:. Each code corresponds to an issue or problem. chargebacks with reason codes “4837-No Cardholder Authorization” or “4863-Cardholder Does Not Recognize-Potential Fraud. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Summary of. 1 Quick Reference Lead. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Values are: Blank: Use the receipt G/L date. ©Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. FRAUD. Visa chargeback reason codes. By entering your email, you agree to receive marketing emails from Shopify. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Although each card network has its own chargeback reason codes, their end goal is the same: Clearly describe why a customer is disputing a transaction. Pre-arbitration gives the acquirer and issuer. As we touched on earlier, chargebacks can happen due to technical errors. Depending on what reason the cardholder is filing a chargeback, there are different reason codes assigned to the case. DESCRIPTION Why did I receive this chargeback? The cardholder claims not to recognize a card-not-present transaction. 4863 - Cardholder Does Not Recognize, Potential Fraud. Midigator has created a database of reason codes. Discover is a credit card network and an issuing bank—just like American Express. The cardholder didn’t recognize the non-face-to-face transaction on their statement. Expedited Dispute Resolution forms will not be allowed. These are only a handful of common Visa chargeback reason codes. Request required authorisation not obtained. To test a dispute, generate a payment request with specific information from the test scenarios. Note : For message reason code 4863 (Cardholder Does Not Recognize—Potential Fraud), first chargebacks will be included in the FNS count once the FNS fraud chargeback count is two or greater. Read on for the complete guide to dealing with chargebacks. However, number 03 7064 4863 might be spoofed by scammers who will manipulate the. , American Express, Discover, MasterCard, and Visa), there are 151 chargeback reason codes. 4841. Chargeback time frames - A specific period during which a chargeback can be raised. 4863 (63) (MasterCard) Cardholder does not recognize: Fraudulent (Stripe/Shopify Payments) Card-not-present fraudThere are set rules in place for Discover to streamline transaction disputes and chargeback disputes: Customers have 120 days to dispute a transaction. ©In order to fight a chargeback effectively, however, you'll need to know the reason code. 4812: Account Number. FR2 Fraud Full Recourse Program. Documentation must be a direct result of cardholder communication. Total views 100+ Dr. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. Different card networks have different reason code systems. Items – Total number of chargebacks or reversalsThe tables below include the reason codes you might receive when a dispute occurs. Then it chooses the most applicable code for a. Summary of Changes, 13 December 2018for chargeback reason code 4863 (Cardholder Does Not Recognize). Email us anytime! Email customer service 24/7. If the order was genuinely not as described, then the cardholder has a case. For reason code 4863 (Cardholder Does Not Recognize), supporting documentation like a letter or email from the cardholder is required. It can range from 60 to 120 days from the billing date. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. Description. The test payment should be authorized and then captured within 5 minutes. 6. 4807 – Warning Bulletin File. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Reason Code 02. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 5.