| --- |
| license: cc-by-4.0 |
| language: |
| - en |
| pretty_name: Credit Card Chargeback Reason Codes (Visa, Mastercard, Amex, Discover) |
| tags: |
| - finance |
| - payments |
| - ecommerce |
| - reference |
| - fraud |
| size_categories: |
| - n<1K |
| configs: |
| - config_name: default |
| data_files: chargeback-reason-codes.csv |
| --- |
| |
| # 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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|
