Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements; Proof you have already refunded the transaction and credited the cardholder’s. You cannot refer the customer to the manufacturer if the product is defective or damaged. 1 Merchandise. The product or service did not match its description. Mastercard chargeback reason codes. ”. Linda finds it difficult to use the product as decides to dispute the transaction in the hope of winning the chargeback under the Reason Code 4853: Not as Described or Defective Merchandise. We say the given reason because it may or may not reflect the true reason. This means providing evidence that will undermine the cardholder’s claim. Message reason codes. 6 Example 6—Message Reason Code 4853—Cardholder Dispute (Available for Chargeback. Cardholder Dispute — Defective Merchandise / Not as Described. 087000%. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. 2: EMV Liability Shift Non-counterfeit Fraud:. Ships from Los Angeles, CA. Cardholders can file disputes starting from the transaction date, or the merchandise delivery date, service cancellation date, or when the services were ended. Please choose a reason. Merchants who receive a chargeback for a transaction placed with a Mastercard card may encounter reason code 4831, which indicates an improperly processed transaction that the cardholder does not believe they should be responsible for paying. Merchants should review these codes, track which ones they receive, and respond to inquiries and chargebacks with the appropriate supporting evidence relevant. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. MDR removed some reason codes. The acquirer processed a transaction that was later was listed in a Mastercard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE. Business owners looking to keep their chargeback rate low or avoid pesky chargeback fees need to understand chargeback reason codes. MESSAGE/DESCRIPTION. 1 Quick Reference Lead. 4 – Counterfeit. In. Category. S. Chargeback reason code 4853: Issuer Dispute of a Recurring Transaction is one of the numeric labels assigned by banks to each. What did it entail?. It will be incorporated into code 4853. Cause. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the cardholder's account. 8 about charges for loss, theft, or damage. Most Common Causes The merchant: Sent the wrong merchandise or didn’t satisfy the customer’s need Did not send the goods/service by the agreed delivery date. Mastercard Merchant Official Documentation. Mastercard chargeback reason code 4808 – Required Authorization not Obtained is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. 4853. The newer system is designed to. Chargeback reason code 4853 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. 2,458 reviews. While the format of chargeback reason codes. Description. They are: 05: Do Not. Cancelled Recurring Transaction. Code Description; 43:Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4853 Addendum Dispute . Description of Change Where to Look Combined the Authorization-related Chargebacks section into chargeback reason code 4808 (Authorization-related Chargeback) as announcedIn July 2020, Mastercard overhauled their list of reason codes, consolidating most of them into several broad categories, with the text description providing information on the specifics rather than the code itself. 4853. Remark and reason code changes that impact Medicare are usually requested by CMS staff in conjunction with a policy change. 4 – Incorrect Account Number. Visa Reason Code 53: Not as Described or Defective Merchandise. ) 07/01/2013 . Elaboration of MasterCard Reason Codes. Mastercard’s QMAP holds merchants to a minimum standard of acceptable behavior. The Mastercard chargeback cause codes were condensed down in 2016, fancy the process that Visa just underwent with Student Claims Resolve. Claim adjustment reason codes (CARCs) communicate an adjustment, meaning that they must communicate why a claim or service line was paid differently than it was billed. Nevertheless, you must respond to the chargeback based on the given code. Global Security Bulletin No. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. 4859 – No Show/Addendum/ATM Dispute. Related Papers. 113 These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. Mastercard’s reason codes are listed as four-digit numbers, though all initial chargebacks a merchant receives will begin with 48. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4853 Transaction Did Not Complete . While American Express and Discover each use additional categories to help categorize their reason codes, customer dispute categorization is moving towards the four category standard. Procedure/service was partially or fully furnished by another provider. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Union pay. Chargeback reason code 4853/Credit Not Processed applies to situations where customers claim they are owed a refund or other credit that has not appeared, but do not. Get your copy today and enhance your payment experience. Chargeback reason code 4853: Credit Posted as a Purchase refers to situations where customers claim that a transaction that should be a credit is showing up as a debit, and they do not feel the issue is being resolved by the merchant. 3 is the less common version for card-present transactions. This event occurs when a dispute or dispute installment is created. There are a few other exceptions to the rules, though. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. Some payment service providers like PayPal and Stripe have their own reason codes as well. George was surfing online and spontaneously decides to buy shoes for himself. Tell us more about how this item violates our policies. Mastercard Reason Code 4853 - Goods/Services Not Provided Reason Code 4853 - Goods or Services Not Provided Chargeback Reason Codes / Mastercard / 4853 –. Fraud. They shouldn't exceed 540 days from the transaction date. 6: Credit not processed: MasterCard Dispute Reason Code 4837: No cardholder authorization: MasterCard Dispute Reason Code 4853: Not as described or defective merchandise: MasterCard Dispute Reason Code 4855: Non-receipt of merchandise: MasterCard Dispute Reason Code 4859: Services not rendered: MasterCard Dispute. The code can be used in multiple specific. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. Retry after 10 days. Chargeback reason codes identify the general reason behind a chargeback. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. 5. . Hard Decline. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. In theory, the reason code will pinpoint why the cardholder is disputing the transaction. The claim often, but not always, involves automated teller machines (ATMs). The cardholder claims the merchant delivered counterfeit products. 4853: Cardholder Dispute – Defective / Not as Described: 4854:List and additional information about all reason codes by card brand. Malgré deux relances cde toujours pas livrée le 31/07/2023 mais proposition de remboursement de ce vendeur si annulation de la commande ce qu’ai j’ai fait le 01/08/2023. Merchant refuses as the policy doesn’t accept returns after 30 days. With Visa Compelling Evidence 3. You will need to refer to a guide for an explanation of what the code means. 5 – Incorrect Amount. meaning it can’t help with non-Visa transactions. Note: This code can only beVisa Chargeback Life Cycle. 1-800-988-2215. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective; American Express Reason Code C05 – Goods/Services Canceled; However, some reason codes are highly specific and apply only to a certain type of product, such as: Visa Reason Code 13. Category. 2: EMV Liability Shift Non-counterfeit Fraud:. 4863 - Cardholder does not recognize – Potential Fraud:. Nevertheless, you must respond to the chargeback based on the given code. However, if that customer actually didn’t cancel that subscription or failed to honor the terms of their agreement, you will need to provide compelling evidence like: In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. 14. Under certain circumstances, Mastercard may allow consumers to reverse a payment card. The transaction was not sent to Mastercard within the timeframe required. Prevention Steps This code, while currently functional, is being consolidated into 4853 and therefore should not be used. - Digital Goods Purchase of $25 or Less. 13. REASON CODE CATEGORIES. Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Basis Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback reactions; Chapter 8: Chargeback response templates; Book 9: Chargeback accounting; Chapter 10: Arbitration; Chapter. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource. These variety of disputes can be represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553, among others. Reason Code 4853: Cardholder Dispute of a Recurring Transaction. It also occurs when. What is Visa chargeback reason code 12. Once implemented, Visa CE 3. American Express Reason Code A01 – The settled transaction amount was more than the authorized transaction amount. Claim. Documentation must be a direct result of cardholder communication. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. 4853. We say the given reason because it may or may not reflect the true reason. Mastercard_Chargeback_Reason_Code_4837. Visa Chargeback Reason Codes. The description is not included in the response. 12. ”. Unlike other payment methods, like credit or debit card, A2A payments are done without requiring additional intermediaries. 4853. Mastercard Merchant Official Documentation. Se sei un titolare di carta Mastercard e vuoi contestare una transazione non autorizzata o difforme, consulta la guida ai chargeback per conoscere i tuoi diritti e le procedure da seguire. 7 Violation for Coercion Claim. The new reason codes follow a format of two digits, a period, then a third digit. 1 (Group Codes). This is also a common friendly fraud reason code, especially when the cardholder doesn’t recognize the transaction on their statement. Start: 01/01/2000: N17: Per admission deductible. Dispute Code. Learn More about MasterCard Chargeback Reason Code 4853. $0. ANSI Reason & Remark Codes The Washington Publishing Company maintains a standard code set used industry wide to provide information regarding claim processing. Chargeback reason code 4853/Credit Not Processed applies to situations where customers claim they are owed a refund or other credit that has not appeared, but do not feel the issue being resolved by the merchant. Shipped the product in bad. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. The code can be used in multiple specific situations, many of which had their own individual codes at one time. Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Choose 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Branch 9: Chargeback accounting; Chapter 10: Arbitration; Chapter. Invalid reason code for UCAF Transaction. Get your complete guide to Mastercard reason codes, including all the exhaustive information, chargeback time limits, and other important information you requirement. Mastercard /. France saw a drop of roughly 50% during the same period. Mastercard is in the process of updating chargeback management regulations. The chargeback reason code is 13. 6? Visa chargeback reason code 12. No-Show Hotels Charge. 4846:. 0, the card network has expanded the definition of compelling evidence (at least regarding reason code 10. 4853: Cardholder Dispute: 4850: Installment Billing Dispute: List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following: Reason codes in Maestro. 12. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. 25 January 1, 2022The documentation required for a given chargeback will depend on the reason code. Reason code: Explanation: 4853 - Cardholder Dispute: There are multiple explanations for. 4837 – No Cardholder Authorization . 4841 – Cancelled Recurring or Digital Goods Transactions. Chargeback Rebuttal Letter Samples. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 4863:. 4853: Canceled recurring transaction. Mastercard. After 3 to 4 days when Linda doesn’t see the credit she disputes the transaction under the Reason Code 4834: Duplicate Processing. The issuer requested you to cancel a. – This response is only returned if the enhanced cancel button functionality is enabled within the Hosted Paypage configuration. Mastercard Chargeback Reason Code 4855: Non-Receipt of Merchandise Description The issuing bank received a claim from the cardholder that merchandise or services ordered were not received or that the order was cancelled due to the delay in the delivery of merchandise or services. Chargebacks911 is the original chargeback management company with solutions to prevent chargebacks before they happen and fight. Ensure the device has sufficient battery life and has NFC (Near Field Communication) enabled if required. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. Click Save as. You cannot refer the customer to the manufacturer if the product is defective or damaged. The reason code may not reflect the true reason for the chargeback. Reason code Description; 4853: Cardholder Dispute of a Recurring Transaction: 4853: Goods or Services Not Provided: 4853: No-Show Hotel Charge: 4853: Addendum Dispute: 4853: Credit Not Processed: 4853: Goods/Services not as Described or Defective: 4853: Digital Goods $25 or less: 4853: Counterfeit Goods: 4853: Transaction Did Not. California Code, Vehicle Code - VEH § 4853. 4 Manual (en)This Tarot item by TarotCardGypsy has 57 favorites from Etsy shoppers. Reason Code 4853 - Credit Not Processed Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Credit Not Processed Dispute Code 4853 Category. ” This code indicates that a counterfeit chip-and-pin card was used to make a purchase from a merchant who didn't follow the proper procedure for chip-and-pin. It can be used. . Cartes Bancaires. 2,458 shop reviews. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. She calls the merchant but he is unable to figure out the reason of the duplicate entries. Region Only) 4855: Goods or. Submit Loading Dispatches from Aurora, CO. ) PR126 Deductible -- Major Medical PR127 Coinsurance -- Major Medical CO128 Newborn's services are covered in the mother's. 4. - Cardholder Does Not Recognize, Potential Fraud. Mastercard Reason Code 4853 – “No Show” Hotel Charge, which applies only to lodging reservations. Listed on Oct 6, 2023Updated Visa Reason Codes. Reason Code. Dispute Code. consumer dispute chargebacks are filed under reason code 4853 - Cardholder Dispute. Fight; Prevent; Get; Assets. Mastercard chargeback reason code 4808 falls under the “Authorization” category. 4870 . Chargeback Code Chargeback Reason; 4801: Requested Transaction Data Not Received: 4802: Requested / Required Information Illegible or Missing: 4807:. Visa and MasterCard use different reason codes and often a code used by one of the Associations does not have an exact equivalent at the other. 4853: Canceled recurring transaction. Invalid reason code for UCAF Transaction. Credit Cards;. Below you’ll find the list of each followed by why they happen. The transaction was not sent to Mastercard within the timeframe required. The code can be used in multiple specific situations, many of which had their own individual codes at one time. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. 50. Chargeback Reason Codes 53 and 4853 may be issued for one of the following reasons: The merchant sent the wrong merchandise to the customer. MasterCard time limits vary depending on the applicable reason code. rdmd-html { margin-left: 0 !important;} Expand all | Collapse all dispute_id required Title: Dispute. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. 4853 – Cardholder Dispute – “No Show” Hotel Charge . Reason Code: Description: 4837: No Cardholder Authorization : 4849: Questionable Merchant Activity:. Mastercard - Debit Mastercard Assessment Fee. SolutionsMastercard Reason Code 4853/Transaction Did Not Complete involves cases where the purchaser believed the transaction was not actually processed. The product or service did not match its description. 6. And customers file ‘Product Unacceptable’ Shopify payment chargebacks when they feel the goods they received either came damaged, was defective, or was not as. Chargebacks911 - Chargeback reason code 4853: Cardholder. Provider-Level Balance (PLB) Reason Codes At the provider level, adjustments usually do not relate to any specific claim or service-line in the RA. 7 Invalid Data. Chargebacks Explained;Are you see for test card figure? Would you like to contact support?Mastercard Reason Code 4853 Cardholder Dispute of a Recurring Transaction is used for cardholder disputes based on recurring billing transactions. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 3? Chargeback reason code 13. This app should be linked to the user’s bank account or debit card. If. The actual underlying cause of. Start: 01/01/1995 | Stop: 06/30/2007 Notes: Use code 16 with appropriate claim payment remark code. Reason Code Description; 4837: No Cardholder Authorization:. Network reason code is available on the dispute object. 5. 4853. It will be incorporated into code 4853. This reason code covers the following scenarios: Reason Code Description; 4853: Services not provided/Merchandise not received. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. In such circumstances, Mastercard may allow consumers to reverse a transaction by filing a chargeback. 2. Chargeback Reason Codes List for Mastercard. Proof the cardholder no longer wishes to. " Dear [Name of Recipient], I write this rebuttal letter contesting chargeback [number] for [dollar amount]. Acquirer Use of Message Reason Code 7623. S. Payment based on a higher percentage. [MasterCard Reason Codes 4853, 4855, 4859; Visa. 10. 4853:Goods or Services Were Either Not as Described or Defective; 4853:Goods or Services Not Provided; 4853: Cardholder Dispute of a Recurring Transaction. Cause. The reason code may not reflect the true reason for the chargeback. 5. Cardholders can file disputes starting from the transaction date, or the merchandise delivery date, service cancellation date, or when the services were ended. Discover/Diners. Step #2 | Prepare Device. MasterCard time limits vary depending on the applicable reason code. Chargeback reason code 4853 can be used to indicate cases where the issuer has previously filed a chargeback for a disputed recurring transaction. Each MasterCard chargeback reason code has its own designated time limit within which it must be initiated. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Permit just has with Visa Argues Resolution. Each bank card network has its owner list of reason codes banks must prefer from. MASTERCARD REASON CODES. 4853: Credit not processed If a merchant does not properly disclose their refund policy, they may have to deal with chargebacks. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Mastercard Rule 3. API Security How to Consume the Funding APIs Environments. Hard Decline. Note: Mastercard has discontinued the use of reason code 4859, merging it into code 4853. Cardholder Dispute — Not Elsewhere Classified (U. 5, 16 May 2016. Code: Category: Description: 10. ↩ Back to Directory. 4853:. Canceled recurring transaction. The cardholder claims the merchant billed their card even after they canceled a subscription, or they didn't know it was a subscription, to begin with. Get your complete guide to Mastercard reason codes, including all aforementioned detailed information, chargeback time limits, and other important information yours must. 5 Diners Retrieval Reason Codes. Download Free PDF View PDF. This reason code covers the following scenarios: This reason code covers the following scenarios: Chargeback reason code 4853 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. 5 Incorrect Amount. Every purchase process should time out after a specific period of inactivity. 4853. Reason codes are important to help merchants address recurring. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. 983. The issuer must let at least 15 calendar days pass before initiating a dispute unless the. Visa’s reason codes are two-digit numbers, while MasterCard uses four-digit numbers. They are instead assessed on a case-by-case basis by their affiliated banks. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. region only) 4855. To access a denial description, select the applicable Reason/Remark code found on Noridian 's Remittance Advice. Have you looking for test card numbers? Be you like to contact support?Chapter 3: Chargeback Reason Codes Guide; Section 4: American Express Chargeback Purpose Codes; Chapter 5: Mastercard Chargeback Cause Codes; Chapter 6: Visa Chargeback Base Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter. In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with several. Below you’ll find the list of each followed by why they happen. rdmd-html { margin-left. 4863 – Cardholder Does Not Recognize – Potential Fraud. 196Note: Mastercard has discontinued the use of reason code 4850, merging it into code 4853. The Mastercard chargeback reason laws were solid down in 2016, like the process that Visas just underwent includes Visa Claims Resolution. In an effort to simplify understanding, Visa and MasterCard organized their reason codes into four categories. Learn the details, the cause, how to respond and how to prevent. Merchants who receive a chargeback for a transaction placed with a Mastercard card may encounter reason code 4860, which indicates a disputed transaction that the cardholder does not believe they should be responsible for paying. It may also apply if a cardholder claims they were never informed that the transaction would be recurring. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. MasterCard reason code. 06/01/19 Updates to timeframe for MasterCard Reason Code 34 (from 120 days to 90). Reason Code 4853: Addendum Dispute. When a transaction is declined, a reason code will be given. Reason Code 4853. Below you’ll find the list of each followed by. Description of Change Where to Look Combined the Authorization-related Chargebacks section into chargeback reason code 4808 (Authorization-related Chargeback) as announcedThe following message reason codes designate chargebacks resulting from issues related to customer disputes: Response Time Frame. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Reason code 4853 indicates the broad category “Cardholder Disputes,” meaning the legitimate cardholder has contacted the bank claiming that something is wrong with a. 1 Merchandise/Services Not Received. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4853 Digital Goods $25 or Less . The shorthand description is “Transaction Not Recognized. Here's a list of all the current Mastercard reason codes: Chargeback Code: Description: Authorization : 4808: Warning Bulletin File: 4808: Authorization-Related Chargeback: 4808: Account Number Not on. 1. Get to complete guide to Mastercard reason codes, including all the detailed news, chargeback time limits, and diverse significant information you needs. Visa), but the card number indicates a different card type (e. ” In general, this means the cardholder was not happy with a purchase and blames the merchant. Chargeback reason code 4853: Cardholder Dispute applies to situations in which a customer feels they have been cheated or misled. Following the Mastercard dispute guidelines, consumer dispute chargebacks are filed under reason code 4853 - Cardholder Dispute. - Digital Goods Purchase of $25 or Less. 4853 Cardholder Dispute: 13. Code 10. View the entire list of Mastercard reason codes below or search our database for specific insights. com Reason code 4853 indicates the broad category “Cardholder Dispute,” which in general means the cardholder was not happy with a purchase and blames the merchant. Stage 1, Phase 2: Card network facilitates the inquiry to the merchant. Please see the attached document for the Chase Paymentech Error/Decline code list:Note: Mastercard has discontinued the use of reason code 4807, merging it into code 4808. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. MasterCard SecureCode and Universal Cardholder Authentication Field (UCAF). Reason Code 4853. Regardless, merchants must respond to the given reason code. 4853: Cardholder disputes This reason code for Mastercard contains a lot of different varieties of cardholder disputes. Reason Code Description Time Limit; 4853: Cardholder Dispute: 120 days: 4855: Goods or Services Not Provided: 120. Notes: Use code 16 with appropriate claim payment remark code. Chargeback reason code 4853: Credit Posted as a Purchase refers to situations where customers claim that a transaction that should be a credit is showing up as a debit, and they do not feel the issue is being resolved by the merchant. Mastercard chargeback reason codes. Mastercard incoming file details. Shift (Reason Code 4871) section. . 4854 – Cardholder Dispute – Not Elsewhere Classified. Dual Message System Chargebacks—Fraud-related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Questionable Merchant Activity (Reason Code 4849) . This reason code has been retired.