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Credit Card Chargeback Reason Codes (Visa, Mastercard, Amex, Discover)
A complete, plain-English reference for the active chargeback reason codes a merchant can receive across the four major card networks. Each code includes what it means, the response deadline, and the evidence that typically wins a dispute.
What's in it
64 active reason codes, one row each, with these fields:
| Field | Meaning |
|---|---|
network |
Visa, Mastercard, American Express, or Discover |
code |
The reason code as it appears on the dispute |
title |
The network's name for the code |
plain_english_meaning |
What the code actually means for the merchant |
response_deadline |
How long the merchant has to respond |
key_evidence |
The evidence that typically supports a response |
winnability_label |
A rough read on how defensible the dispute usually is |
source |
Where the code definition was drawn from |
What the data shows
The 64 active codes break down by network as: American Express 23, Visa 20, Mastercard 11, Discover 10. Retired codes are deliberately excluded, so nobody builds a response around a code that no longer exists.
A note on accuracy
The card network makes the final decision on every dispute. This dataset is a reference for understanding and preparing a response, not a guarantee of outcome.
License
Published under CC BY 4.0. Free to use, cite, or redistribute with attribution. Maintained by ChargebackKit (chargebackkit.app/reason-codes).
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