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CentralPay Documentation CentralPay Documentation
  • Informations générales
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  3. Resources by type
  4. Codes
  5. Card Disputes – Bank Return codes
Mis à jour le 8 décembre 2025
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    • Transaction
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  • Folder icon closed Folder open iconObject status
    • MERCHANT-ENROLLMENT status
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    • The MERCHANT-ENROLLMENT object
    • The WALLETS object
    • The BANKACCOUNT object
    • The CARD object
    • The CREDIT object
    • The CUSTOMER object
    • The DEPOSIT object
    • The DISPUTE object
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    • Codes
      • HTTP Codes
      • Card authorization – Bank return codes
      • Card Disputes – Bank Return codes
      • Currency codes
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    • Test values
      • Test IBAN values
      • Test cards Values

Card Disputes – Bank Return codes

Estimated reading: 3 minutes

CB Scheme

CBDescriptionGIE DISPUTE
12Unauthorized TransactionTRANSACTION_NOT_AUTHORIZED
13Merchant Forced TransactionINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
14Unauthorized TransactionTRANSACTION_NOT_AUTHORIZED
15Guarantee by Card, by Day and by SIRETTRANSACTION_NOT_AUTHORIZED
16PIN Not VerifiedTRANSACTION_NOT_AUTHORIZED
17Invalid SIRETTRANSACTION_NOT_AUTHORIZED
18Certificate Not VerifiableTRANSACTION_NOT_AUTHORIZED
21Expired CardTRANSACTION_NOT_AUTHORIZED
22Late PresentmentINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
23Missing ImprintINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
25Exceeds Transaction Amount LimitINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
27Credit Not ProcessedTRANSACTION_NOT_AUTHORIZED
28Credit Processed as DebitTRANSACTION_NOT_AUTHORIZED
40Cancelled CardINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
41Documentation Not Provided or IllegibleINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
42Duplicate ProcessingDUPLICATE
43No Such Card NumberINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
44Disputed AmountFRAUDULENT
45Disputed TransactionFRAUDULENT
46Merchant Bankruptcy or Judicial ReorganizationINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
61Merchant Suspended or TerminatedTRANSACTION_NOT_AUTHORIZED
62Transaction Not PermittedTRANSACTION_NOT_AUTHORIZED

Mastercard Scheme

MASTERCARDDescriptionGIE DISPUTE
4801Requested Transaction Data Not ReceivedTRANSACTION_NOT_AUTHORIZED
4802Cardholder Does Not Recognize TransactionTRANSACTION_NOT_AUTHORIZED
4807Cardholder Disputes a CreditFRAUDULENT
4808Authorization-Related ChargebackTRANSACTION_NOT_AUTHORIZED
4809Transaction Not AuthorizedFRAUDULENT
4810Fraud — Card-Not-Present EnvironmentFRAUDULENT
4522Goods or Services Not as Described / Not ReceivedOTHER
4811Credit Not ProcessedTRANSACTION_NOT_AUTHORIZED
4812Fraud — Card-Present EnvironmentTRANSACTION_NOT_AUTHORIZED
4831Goods or Services Not ReceivedINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
4834Duplicate ProcessingDUPLICATE
4835Transaction Processing ErrorTRANSACTION_NOT_AUTHORIZED
4837No Cardholder Authorization (Lost/Stolen Card)FRAUDULENT
4840Fraudulent Processing of TransactionsFRAUDULENT
4841Cancelled Recurring TransactionTRANSACTION_NOT_AUTHORIZED
4842Counterfeit CardTRANSACTION_NOT_AUTHORIZED
4843Transaction Not Valid / Authorization ReversalTRANSACTION_NOT_AUTHORIZED
4846Non-Compliance With Authorization RequirementsINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
4847Invalid Recurring TransactionINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
4849Duplicate ProcessingDUPLICATE
4850ATM Cash Disbursement Not AuthorizedTRANSACTION_NOT_AUTHORIZED
4851Cardholder Disputes Transaction (Offline)TRANSACTION_NOT_AUTHORIZED
4853Cardholder Disputes Transaction Not as DescribedPRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
4854Exceeds Floor LimitPRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
4855Non-Receipt of Merchandise / ServicesPRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
4857Cardholder Disputes Transaction — Services Not ProvidedTRANSACTION_NOT_AUTHORIZED
4859Services Not Provided / Merchandise Not ReceivedTRANSACTION_NOT_AUTHORIZED
4860Transaction Processing ErrorTRANSACTION_NOT_AUTHORIZED
4862Cardholder Disputes Transaction — Invalid AuthorizationTRANSACTION_NOT_AUTHORIZED
4863Credit Not Processed / Cash Not DispensedFRAUDULENT
4870Chip Liability Shift — Counterfeit FraudFRAUDULENT
4871Chip Liability Shift — Lost/Stolen FraudFRAUDULENT
4880Late PresentmentTRANSACTION_NOT_AUTHORIZED
4890Currency Conversion DisputeTRANSACTION_NOT_AUTHORIZED
4900Defective/Not as Described MerchandiseOTHER
4901Credit Not ProcessedOTHER
4902Merchandise Not AcceptedOTHER
4903Incorrect Merchandise DeliveredOTHER
4905Services Not ProvidedOTHER
4908Cash Not DispensedOTHER

Visa Scheme

VISADescriptionGIE DISPUTE
10Fraud — Card-Absent EnvironmentFRAUDULENT
11Fraud — Card-Present EnvironmentTRANSACTION_NOT_AUTHORIZED
12Incorrect Transaction Amount or Account NumberINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
13Fraudulent Transaction — No AuthorizationFRAUDULENT
30Services Not Provided or Merchandise Not ReceivedPRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
41Credit Not ProcessedOTHER
53Not as Described or Defective MerchandiseOTHER
57Fraudulent Transaction — No Cardholder AuthorizationFRAUDULENT
62Counterfeit TransactionFRAUDULENT
70Processing ErrorOTHER
71Declined AuthorizationOTHER
72Cancelled TransactionOTHER
73Duplicate ProcessingOTHER
74Credit Not ProcessedOTHER
75Transaction Not RecognizedOTHER
76Incorrect Transaction Amount or Account NumberOTHER
77Non-Receipt of MerchandiseINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
78Fraudulent Transaction — No Cardholder AuthorizationOTHER
80Incorrect Transaction Amount or Account NumberINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
81Fraudulent Transaction — Lost CardFRAUDULENT
82Fraudulent Transaction — Stolen CardDUPLICATE
83Fraudulent Transaction — Card-Absent EnvironmentFRAUDULENT
85Duplicate ProcessingOTHER
86Non-Compliance With AuthorizationDUPLICATE
93Late PresentmentFRAUDULENT
1001Fraud — Card-Absent Environment (E-Commerce)FRAUDULENT
1002Fraudulent Transaction — E-CommerceFRAUDULENT
1003Services Not Provided or Merchandise Not ReceivedFRAUDULENT
1004Fraudulent Transaction — No Cardholder AuthorizationFRAUDULENT
1005Not as Described or Defective MerchandiseFRAUDULENT
1101Processing Error — AuthorizationOTHER
1102Incorrect Transaction AmountOTHER
1103Exceeds Authorized AmountOTHER
1201Services Not Provided or Merchandise Not ReceivedOTHER
1202Not as Described Merchandise / ServiceOTHER
1203Recurring Transaction Not RecognizedOTHER
1204Defective MerchandiseINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
1205Services Not ProvidedINCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
1206Non-Receipt of MerchandiseDUPLICATE
1207Duplicate ProcessingOTHER
1301Fraudulent Transaction — Card-Present EnvironmentPRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
1302Fraudulent Transaction — No Cardholder AuthorizationOTHER
1303Fraudulent Transaction — Card-Absent EnvironmentOTHER
1304Duplicate ProcessingOTHER
1305Services Not Provided or Merchandise Not ReceivedOTHER
1306Credit Not ProcessedOTHER
1307Recurring Transaction Not RecognizedOTHER
1308Transaction Processing ErrorOTHER
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