---
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).