{"id":16996,"date":"2025-08-28T10:40:39","date_gmt":"2025-08-28T08:40:39","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/developers\/resources-by-type\/codes\/card-disputes-return-codes\/"},"modified":"2025-08-28T10:40:39","modified_gmt":"2025-08-28T08:40:39","slug":"card-disputes-return-codes","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/developers\/resources-by-type\/codes\/card-disputes-return-codes\/","title":{"rendered":"Card Disputes – Bank Return codes"},"content":{"rendered":"\n

CB Scheme<\/h2>\n\n\n\n
\n
CB<\/strong><\/th>Description<\/strong><\/th>GIE DISPUTE<\/strong><\/th><\/tr><\/thead>
12<\/td>Unauthorized Transaction<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
13<\/td>Merchant Forced Transaction<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
14<\/td>Unauthorized Transaction<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
15<\/td>Guarantee by Card, by Day and by SIRET<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
16<\/td>PIN Not Verified<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
17<\/td>Invalid SIRET<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
18<\/td>Certificate Not Verifiable<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
21<\/td>Expired Card<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
22<\/td>Late Presentment<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
23<\/td>Missing Imprint<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
25<\/td>Exceeds Transaction Amount Limit<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
27<\/td>Credit Not Processed<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
28<\/td>Credit Processed as Debit<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
40<\/td>Cancelled Card<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
41<\/td>Documentation Not Provided or Illegible<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
42<\/td>Duplicate Processing<\/td>DUPLICATE<\/td><\/tr>\n
43<\/td>No Such Card Number<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
44<\/td>Disputed Amount<\/td>FRAUDULENT<\/td><\/tr>\n
45<\/td>Disputed Transaction<\/td>FRAUDULENT<\/td><\/tr>\n
46<\/td>Merchant Bankruptcy or Judicial Reorganization<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
61<\/td>Merchant Suspended or Terminated<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
62<\/td>Transaction Not Permitted<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n<\/tbody><\/table><\/figure>\n\n\n\n

Mastercard Scheme<\/h2>\n\n\n\n
\n
MASTERCARD<\/strong><\/th>Description<\/strong><\/th>GIE DISPUTE<\/strong><\/th><\/tr><\/thead>
4801<\/td>Requested Transaction Data Not Received<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4802<\/td>Cardholder Does Not Recognize Transaction<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4807<\/td>Cardholder Disputes a Credit<\/td>FRAUDULENT<\/td><\/tr>\n
4808<\/td>Authorization-Related Chargeback<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4809<\/td>Transaction Not Authorized<\/td>FRAUDULENT<\/td><\/tr>\n
4810<\/td>Fraud \u2014 Card-Not-Present Environment<\/td>FRAUDULENT<\/td><\/tr>\n
4522<\/td>Goods or Services Not as Described \/ Not Received<\/td>OTHER<\/td><\/tr>\n
4811<\/td>Credit Not Processed<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4812<\/td>Fraud \u2014 Card-Present Environment<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4831<\/td>Goods or Services Not Received<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
4834<\/td>Duplicate Processing<\/td>DUPLICATE<\/td><\/tr>\n
4835<\/td>Transaction Processing Error<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4837<\/td>No Cardholder Authorization (Lost\/Stolen Card)<\/td>FRAUDULENT<\/td><\/tr>\n
4840<\/td>Fraudulent Processing of Transactions<\/td>FRAUDULENT<\/td><\/tr>\n
4841<\/td>Cancelled Recurring Transaction<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4842<\/td>Counterfeit Card<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4843<\/td>Transaction Not Valid \/ Authorization Reversal<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4846<\/td>Non-Compliance With Authorization Requirements<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
4847<\/td>Invalid Recurring Transaction<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
4849<\/td>Duplicate Processing<\/td>DUPLICATE<\/td><\/tr>\n
4850<\/td>ATM Cash Disbursement Not Authorized<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4851<\/td>Cardholder Disputes Transaction (Offline)<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4853<\/td>Cardholder Disputes Transaction Not as Described<\/td>PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED<\/td><\/tr>\n
4854<\/td>Exceeds Floor Limit<\/td>PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED<\/td><\/tr>\n
4855<\/td>Non-Receipt of Merchandise \/ Services<\/td>PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED<\/td><\/tr>\n
4857<\/td>Cardholder Disputes Transaction \u2014 Services Not Provided<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4859<\/td>Services Not Provided \/ Merchandise Not Received<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4860<\/td>Transaction Processing Error<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4862<\/td>Cardholder Disputes Transaction \u2014 Invalid Authorization<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4863<\/td>Credit Not Processed \/ Cash Not Dispensed<\/td>FRAUDULENT<\/td><\/tr>\n
4870<\/td>Chip Liability Shift \u2014 Counterfeit Fraud<\/td>FRAUDULENT<\/td><\/tr>\n
4871<\/td>Chip Liability Shift \u2014 Lost\/Stolen Fraud<\/td>FRAUDULENT<\/td><\/tr>\n
4880<\/td>Late Presentment<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4890<\/td>Currency Conversion Dispute<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
4900<\/td>Defective\/Not as Described Merchandise<\/td>OTHER<\/td><\/tr>\n
4901<\/td>Credit Not Processed<\/td>OTHER<\/td><\/tr>\n
4902<\/td>Merchandise Not Accepted<\/td>OTHER<\/td><\/tr>\n
4903<\/td>Incorrect Merchandise Delivered<\/td>OTHER<\/td><\/tr>\n
4905<\/td>Services Not Provided<\/td>OTHER<\/td><\/tr>\n
4908<\/td>Cash Not Dispensed<\/td>OTHER<\/td><\/tr>\n<\/tbody><\/table><\/figure>\n\n\n\n

Visa Scheme<\/h2>\n\n\n\n
\n
VISA<\/strong><\/th>Description<\/strong><\/th>GIE DISPUTE<\/strong><\/th><\/tr><\/thead>
10<\/td>Fraud \u2014 Card-Absent Environment<\/td>FRAUDULENT<\/td><\/tr>\n
11<\/td>Fraud \u2014 Card-Present Environment<\/td>TRANSACTION_NOT_AUTHORIZED<\/td><\/tr>\n
12<\/td>Incorrect Transaction Amount or Account Number<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
13<\/td>Fraudulent Transaction \u2014 No Authorization<\/td>FRAUDULENT<\/td><\/tr>\n
30<\/td>Services Not Provided or Merchandise Not Received<\/td>PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED<\/td><\/tr>\n
41<\/td>Credit Not Processed<\/td>OTHER<\/td><\/tr>\n
53<\/td>Not as Described or Defective Merchandise<\/td>OTHER<\/td><\/tr>\n
57<\/td>Fraudulent Transaction \u2014 No Cardholder Authorization<\/td>FRAUDULENT<\/td><\/tr>\n
62<\/td>Counterfeit Transaction<\/td>FRAUDULENT<\/td><\/tr>\n
70<\/td>Processing Error<\/td>OTHER<\/td><\/tr>\n
71<\/td>Declined Authorization<\/td>OTHER<\/td><\/tr>\n
72<\/td>Cancelled Transaction<\/td>OTHER<\/td><\/tr>\n
73<\/td>Duplicate Processing<\/td>OTHER<\/td><\/tr>\n
74<\/td>Credit Not Processed<\/td>OTHER<\/td><\/tr>\n
75<\/td>Transaction Not Recognized<\/td>OTHER<\/td><\/tr>\n
76<\/td>Incorrect Transaction Amount or Account Number<\/td>OTHER<\/td><\/tr>\n
77<\/td>Non-Receipt of Merchandise<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
78<\/td>Fraudulent Transaction \u2014 No Cardholder Authorization<\/td>OTHER<\/td><\/tr>\n
80<\/td>Incorrect Transaction Amount or Account Number<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
81<\/td>Fraudulent Transaction \u2014 Lost Card<\/td>FRAUDULENT<\/td><\/tr>\n
82<\/td>Fraudulent Transaction \u2014 Stolen Card<\/td>DUPLICATE<\/td><\/tr>\n
83<\/td>Fraudulent Transaction \u2014 Card-Absent Environment<\/td>FRAUDULENT<\/td><\/tr>\n
85<\/td>Duplicate Processing<\/td>OTHER<\/td><\/tr>\n
86<\/td>Non-Compliance With Authorization<\/td>DUPLICATE<\/td><\/tr>\n
93<\/td>Late Presentment<\/td>FRAUDULENT<\/td><\/tr>\n
1001<\/td>Fraud \u2014 Card-Absent Environment (E-Commerce)<\/td>FRAUDULENT<\/td><\/tr>\n
1002<\/td>Fraudulent Transaction \u2014 E-Commerce<\/td>FRAUDULENT<\/td><\/tr>\n
1003<\/td>Services Not Provided or Merchandise Not Received<\/td>FRAUDULENT<\/td><\/tr>\n
1004<\/td>Fraudulent Transaction \u2014 No Cardholder Authorization<\/td>FRAUDULENT<\/td><\/tr>\n
1005<\/td>Not as Described or Defective Merchandise<\/td>FRAUDULENT<\/td><\/tr>\n
1101<\/td>Processing Error \u2014 Authorization<\/td>OTHER<\/td><\/tr>\n
1102<\/td>Incorrect Transaction Amount<\/td>OTHER<\/td><\/tr>\n
1103<\/td>Exceeds Authorized Amount<\/td>OTHER<\/td><\/tr>\n
1201<\/td>Services Not Provided or Merchandise Not Received<\/td>OTHER<\/td><\/tr>\n
1202<\/td>Not as Described Merchandise \/ Service<\/td>OTHER<\/td><\/tr>\n
1203<\/td>Recurring Transaction Not Recognized<\/td>OTHER<\/td><\/tr>\n
1204<\/td>Defective Merchandise<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
1205<\/td>Services Not Provided<\/td>INCORRECT_TRANSACTION_AMOUNT_OR_ACCOUNT_NUMBER<\/td><\/tr>\n
1206<\/td>Non-Receipt of Merchandise<\/td>DUPLICATE<\/td><\/tr>\n
1207<\/td>Duplicate Processing<\/td>OTHER<\/td><\/tr>\n
1301<\/td>Fraudulent Transaction \u2014 Card-Present Environment<\/td>PRODUCT_NOT_RECEIVED_OR_SERVICE_NOT_PROVIDED<\/td><\/tr>\n
1302<\/td>Fraudulent Transaction \u2014 No Cardholder Authorization<\/td>OTHER<\/td><\/tr>\n
1303<\/td>Fraudulent Transaction \u2014 Card-Absent Environment<\/td>OTHER<\/td><\/tr>\n
1304<\/td>Duplicate Processing<\/td>OTHER<\/td><\/tr>\n
1305<\/td>Services Not Provided or Merchandise Not Received<\/td>OTHER<\/td><\/tr>\n
1306<\/td>Credit Not Processed<\/td>OTHER<\/td><\/tr>\n
1307<\/td>Recurring Transaction Not Recognized<\/td>OTHER<\/td><\/tr>\n
1308<\/td>Transaction Processing Error<\/td>OTHER<\/td><\/tr>\n<\/tbody><\/table><\/figure>\n\n","protected":false},"excerpt":{"rendered":"

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 […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":16993,"menu_order":3,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-16996","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"\nCard Disputes - Bank Return codes - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/developers\/resources-by-type\/codes\/card-disputes-return-codes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Card Disputes - 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