Reason Code(s) 1
What is Duplicate Processing ?
A single transaction was processed more than once using the same account number.
What is Not as Described Merchandise?
Goods did not match what was described on the transaction receipt or other documentation presented at the time of purchase. OR The merchandise received by the cardholder was damaged or defective OR The cardholder disputes the quality of the goods
What is Incorrect Amount (Overcharge)?
a merchant charges more than the agreed-upon, advertised, or legally set price for goods or services. It can be the result of a simple human error, a system glitch, or intentional fraud.
What is the meaning of 'Paid By Other Means' ?
The cardholder paid for the same merchandise or service by other means.
What is Not as Described Services?
Services did not match what was described on the transaction receipt or other documentation presented at the time of purchase OR The cardholder disputes the quality of the services
Example of ATM reason code?
Incorrect amount received while utilizing ATM services
What is Non-Receipt of Merchandise?
The cardholder participated in the transaction, but the cardholder or an authorized person did not receive the goods because the merchant was unwilling or unable to provide the goods or services or the merchandise was lost.
What is an cancelled service?
The cardholder canceled and the merchant did not process a credit or voided transaction receipt. And, either the merchant did not properly disclose or did disclose, but did not apply, a limited return or cancellation policy at the time of the transaction
What is cancelled recurring?
a recurring charge, such as a subscription or membership fee, that a cardholder disputes because they claim they had already canceled the service or subscription but were still billed for it
What is Non-Receipt of Service?
The cardholder participated in the transaction, but the cardholder or an authorized person did not receive the services because the merchant was unwilling or unable to provide the services
What is Returned Merchandise?
The cardholder canceled or returned merchandise and the merchant did not process a credit or voided transaction receipt. And, either the merchant did not properly disclose or did disclose, but did not apply, a limited return or cancellation policy at the time of the transaction
Credit slip received verifying credit is due, but was not issued
What is Example of Addendum?
Extra charges from hotel reservations, Extra charges from car rentals
Examples of Misrepresentation?
Timeshare Sales • Debt Consolidation Services • Credit/Mortgage Repair • Counseling • Foreclosure relief services • Technical support or service • Potential Income Opportunities
Required evidence for defective/not as described reason code?
Detailed explanation of what was purchased • Detailed explanation of how item received differed from expected • Date item/service received • Date contacted merchant for resolution • Merchant response • Return information or attempts to return
A cardholder disputes a transactions and states they ordered French fries but asked for potato wedges which were $1.59 more. What would be the appropriate reason code?
Not as Described