Card Disputes – Bank Return codes

Estimated reading: 3 minutes

CB Scheme

CB	Description	GIE DISPUTE
12	Unauthorized Transaction	TRANSACTION_NOT_AUTHORIZED
13	Merchant Forced Transaction	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
14	Unauthorized Transaction	TRANSACTION_NOT_AUTHORIZED
15	Guarantee by Card, by Day and by SIRET	TRANSACTION_NOT_AUTHORIZED
16	PIN Not Verified	TRANSACTION_NOT_AUTHORIZED
17	Invalid SIRET	TRANSACTION_NOT_AUTHORIZED
18	Certificate Not Verifiable	TRANSACTION_NOT_AUTHORIZED
21	Expired Card	TRANSACTION_NOT_AUTHORIZED
22	Late Presentment	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
23	Missing Imprint	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
25	Exceeds Transaction Amount Limit	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
27	Credit Not Processed	TRANSACTION_NOT_AUTHORIZED
28	Credit Processed as Debit	TRANSACTION_NOT_AUTHORIZED
40	Cancelled Card	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
41	Documentation Not Provided or Illegible	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
42	Duplicate Processing	DUPLICATE
43	No Such Card Number	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
44	Disputed Amount	FRAUDULENT
45	Disputed Transaction	FRAUDULENT
46	Merchant Bankruptcy or Judicial Reorganization	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
61	Merchant Suspended or Terminated	TRANSACTION_NOT_AUTHORIZED
62	Transaction Not Permitted	TRANSACTION_NOT_AUTHORIZED

Mastercard Scheme

MASTERCARD	Description	GIE DISPUTE
4801	Requested Transaction Data Not Received	TRANSACTION_NOT_AUTHORIZED
4802	Cardholder Does Not Recognize Transaction	TRANSACTION_NOT_AUTHORIZED
4807	Cardholder Disputes a Credit	FRAUDULENT
4808	Authorization-Related Chargeback	TRANSACTION_NOT_AUTHORIZED
4809	Transaction Not Authorized	FRAUDULENT
4810	Fraud — Card-Not-Present Environment	FRAUDULENT
4522	Goods or Services Not as Described / Not Received	OTHER
4811	Credit Not Processed	TRANSACTION_NOT_AUTHORIZED
4812	Fraud — Card-Present Environment	TRANSACTION_NOT_AUTHORIZED
4831	Goods or Services Not Received	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
4834	Duplicate Processing	DUPLICATE
4835	Transaction Processing Error	TRANSACTION_NOT_AUTHORIZED
4837	No Cardholder Authorization (Lost/Stolen Card)	FRAUDULENT
4840	Fraudulent Processing of Transactions	FRAUDULENT
4841	Cancelled Recurring Transaction	TRANSACTION_NOT_AUTHORIZED
4842	Counterfeit Card	TRANSACTION_NOT_AUTHORIZED
4843	Transaction Not Valid / Authorization Reversal	TRANSACTION_NOT_AUTHORIZED
4846	Non-Compliance With Authorization Requirements	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
4847	Invalid Recurring Transaction	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
4849	Duplicate Processing	DUPLICATE
4850	ATM Cash Disbursement Not Authorized	TRANSACTION_NOT_AUTHORIZED
4851	Cardholder Disputes Transaction (Offline)	TRANSACTION_NOT_AUTHORIZED
4853	Cardholder Disputes Transaction Not as Described	PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
4854	Exceeds Floor Limit	PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
4855	Non-Receipt of Merchandise / Services	PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
4857	Cardholder Disputes Transaction — Services Not Provided	TRANSACTION_NOT_AUTHORIZED
4859	Services Not Provided / Merchandise Not Received	TRANSACTION_NOT_AUTHORIZED
4860	Transaction Processing Error	TRANSACTION_NOT_AUTHORIZED
4862	Cardholder Disputes Transaction — Invalid Authorization	TRANSACTION_NOT_AUTHORIZED
4863	Credit Not Processed / Cash Not Dispensed	FRAUDULENT
4870	Chip Liability Shift — Counterfeit Fraud	FRAUDULENT
4871	Chip Liability Shift — Lost/Stolen Fraud	FRAUDULENT
4880	Late Presentment	TRANSACTION_NOT_AUTHORIZED
4890	Currency Conversion Dispute	TRANSACTION_NOT_AUTHORIZED
4900	Defective/Not as Described Merchandise	OTHER
4901	Credit Not Processed	OTHER
4902	Merchandise Not Accepted	OTHER
4903	Incorrect Merchandise Delivered	OTHER
4905	Services Not Provided	OTHER
4908	Cash Not Dispensed	OTHER

Visa Scheme

VISA	Description	GIE DISPUTE
10	Fraud — Card-Absent Environment	FRAUDULENT
11	Fraud — Card-Present Environment	TRANSACTION_NOT_AUTHORIZED
12	Incorrect Transaction Amount or Account Number	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
13	Fraudulent Transaction — No Authorization	FRAUDULENT
30	Services Not Provided or Merchandise Not Received	PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
41	Credit Not Processed	OTHER
53	Not as Described or Defective Merchandise	OTHER
57	Fraudulent Transaction — No Cardholder Authorization	FRAUDULENT
62	Counterfeit Transaction	FRAUDULENT
70	Processing Error	OTHER
71	Declined Authorization	OTHER
72	Cancelled Transaction	OTHER
73	Duplicate Processing	OTHER
74	Credit Not Processed	OTHER
75	Transaction Not Recognized	OTHER
76	Incorrect Transaction Amount or Account Number	OTHER
77	Non-Receipt of Merchandise	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
78	Fraudulent Transaction — No Cardholder Authorization	OTHER
80	Incorrect Transaction Amount or Account Number	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
81	Fraudulent Transaction — Lost Card	FRAUDULENT
82	Fraudulent Transaction — Stolen Card	DUPLICATE
83	Fraudulent Transaction — Card-Absent Environment	FRAUDULENT
85	Duplicate Processing	OTHER
86	Non-Compliance With Authorization	DUPLICATE
93	Late Presentment	FRAUDULENT
1001	Fraud — Card-Absent Environment (E-Commerce)	FRAUDULENT
1002	Fraudulent Transaction — E-Commerce	FRAUDULENT
1003	Services Not Provided or Merchandise Not Received	FRAUDULENT
1004	Fraudulent Transaction — No Cardholder Authorization	FRAUDULENT
1005	Not as Described or Defective Merchandise	FRAUDULENT
1101	Processing Error — Authorization	OTHER
1102	Incorrect Transaction Amount	OTHER
1103	Exceeds Authorized Amount	OTHER
1201	Services Not Provided or Merchandise Not Received	OTHER
1202	Not as Described Merchandise / Service	OTHER
1203	Recurring Transaction Not Recognized	OTHER
1204	Defective Merchandise	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
1205	Services Not Provided	INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER
1206	Non-Receipt of Merchandise	DUPLICATE
1207	Duplicate Processing	OTHER
1301	Fraudulent Transaction — Card-Present Environment	PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED
1302	Fraudulent Transaction — No Cardholder Authorization	OTHER
1303	Fraudulent Transaction — Card-Absent Environment	OTHER
1304	Duplicate Processing	OTHER
1305	Services Not Provided or Merchandise Not Received	OTHER
1306	Credit Not Processed	OTHER
1307	Recurring Transaction Not Recognized	OTHER
1308	Transaction Processing Error	OTHER