Each code corresponds to an issue or problem. This means providing evidence that will undermine the cardholder’s claim. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Technical. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. M10 Vehicle Rental – Capital Damages. . EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. A reason code is how banks categorize the reason for a chargeback. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. #9. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Code 4807: Fraudulent Card-Present Transaction. But cardholders and merchants have different time limits. Fight; Hinder; Recover; Resources. 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. For example, Mastercard has a code which indicates a ‘consumer dispute. C08. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. Those reasons are explained through the corresponding reason codes. 2. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. For example, your trading name on the receipt differs to that on their statement. US $10,000. Global chargeback volume topped 615 million cases in 2021, and was estimated to cost merchants nearly $117 billion in revenue. F30 – EMV Counterfeit. Updated Visa Reason Codes. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. If the customer’s story matches. You can learn more about each one by visiting the Mastercard Chargeback Guide. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. 5 (1050) (Visa) Card-not-present fraud. Common reason codes Mastercard. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. View the entire list of AmEx. Most reason codes apply to any merchant, regardless of what’s being sold. 3. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Reason Code. The cardholder claimed they didn’t receive the goods or services or only partially received the. 18167 US Highway 19 N Clearwater, FL 33764 877. 6: Credit not. Every chargeback comes with a reason code. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. Assemble Your Evidence. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 10. Choose “chargeback and inquiry status” from the drop-down menu. UA06 Fraud – Chip and PIN Transaction. Codes are not often shared between issuers which means it can be difficult to remember the details of each. 102. Each card issuer follows their own standards for defining reason type, code and its format. Solution. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 101. Fraud. for chargeback reason code 4863 (Cardholder Does Not Recognize). Invalid Authorisation (ISO 4521) / Charge amount exceeds Authorisation amount (A01). The shorthand description is “Late Presentment. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Expedited Dispute Resolution forms will not be allowed. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. This can. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F29, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. Written by Chargeback Gurus. The chargeback transfers funds from the acquirer to the issuer. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 10201. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Chargeback Report. The network hasn't wholly disallowed some old codes. EMV Liability Shift Non-Counterfeit Fraud. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Amex Fraud Chargeback Reason Codes FR2 — Fraud Full Recourse Program. 00 in chargebacks. The most significant category of reason codes is. Card Member Dispute. About American Express chargeback reason codes. So the company has more incentive to side with customer during cardholder. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Each chargeback reason has its own, individual prevention techniques. EMV Liability Shift Counterfeit Fraud. Here are the two possible scenarios: 1. Chargeback. 4853 – Cardholder Dispute – Credit Posted as a Purchase. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. ”. The cardholder does not recognize your name on their statement. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. The business has the chance to refute the chargeback. American Express Chargebacks / Disputes. While the updates have been published, they do not go into effect until Oct. American Express Chargebacks / Disputes. There are dozens of reasons why cardholders and issuers dispute transactions. Each credit card network has its own list of reason codes banks must choose from. American Express Chargebacks / Disputes. Reason Code. Submitted: The response has been sent and the issuer is. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. 10201. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. ”. Specify the default reason code to. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Clerical Reason Code. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. In most cases, you will have 20-45 days in which to respond to a chargeback. Chargeback reason codes have changed. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. Reason Code 53 re-presentments must be. Customer Dispute. Under “Transaction History,” tap the transaction you want to dispute, then tap “Report an Issue. 0 to 5. According to the 2022 Chargeback Field Report, global costs associated with chargebacks will have skyrocketed in recent years. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. F02. A chargeback happens when a customer requests for a transaction to be reversed. May 2011: 5. Fine Period - month 2 or 3. Chargeback Reason. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. A chargeback happens when a customer requests for a transaction to be reversed. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. compliance process depending on whether a chargeback right exists. 1 = EMV-Liability Shift counterfeit. Case Studies. txt) or read online for free. Try Shopify free for 3 days, no credit card required. 1: goods not received. Chargeback reason codes. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. With that said, you still need to understand the reason codes with any chargebacks from Amex. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. If you're contesting a chargeback, you'll need solid evidence. Thanks for following the Chargeback Gurus blog. Here are some steps you can take to handle chargeback requests: 1. 3 is the less common version for card-present transactions. Visa chargeback reason code 72 falls under the “Authorization” category. 5%. 5; Code #F24; Code #F29; Code #UA02; Code #7030; Code #4837 / #37; Transaction Not Recognized. Be sure you understand the cardholder’s claim. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. Our research suggests that friendly fraud will represent 61% of all chargebacks by 2023. ”. 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. Either the acquiring or issuing bank could initiate the. F31 –. F24: No Card Member Authorization. reason codes. For QSRs, which deal in a large volume of relatively small transactions, the financial impact of a high chargeback rate can be severe. M49 Vehicle Rental – Theft or Loss of Use. Chargeback Reason Codes / American Express / F24 – No Cardmember Authorization Reason Code F24 Category Fraud DESCRIPTION Why did I receive this chargeback?. Mastercard has plans to follow suit. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. For example, your trading name on the receipt differs to that on their statement. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. F24: No Card Member Authorization: None: Fraud: F29: Card Not Present: Airline Transaction: Fraud: F30: EMV Counterfeit: None: Fraud: F31: EMV Lost/Stolen/Non. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Visa chargebacks can be a major inconvenience for merchants. 3 falls under the “Authorization” category. Number two: Product Not Received chargebacks. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableWhich fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. P03 – Credit Processed as Charge. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. Reason Code 81: Fraud. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Open Chargeback Amount by Reason Code: Sums the Open Amount (AAP) for all records retrieved by business unit and reason code. Reason codes are important to help merchants address recurring. Under Set Order Status, select None, Refund, or Chargeback. The cardholder does not recognize the Merchant. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. George leaves his wallet home and goes for a jog. Goods/Services Not Received or Only Partially Received. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. It can range from 60 to 120 days from the billing date. 4. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. 5. But, it could be up to 540 days, in some situations. [1] Sift. Step 1: Identify the Source. 4846. The chargeback reason codes below explain why this happened. FAQ: What is Chargeback Representment? TIPS. 16, 2021. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Discover Chargeback Reason Codes Explained. 4512: Duplicate Processing:About American Express chargeback reason codes. MasterCard and. Chargeback Reason Key by Network - 2023 Guide. Chargeback Reason Codes All received credit card disputes include a reason code. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. FR4 Immediate Chargeback Program. Looking for the opportunity his daughter Nia slips out his card and shops for her Prom night. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Attempted to process transactions fraudulently. F30 – EMV Counterfeit. F01. American Express . Nothing immediately identifies a chargeback as being the result of first-party misuse. New Visa CE 3. Duplicate transaction. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. These can be classified into three types of chargebacks. 0. Duplicate transaction. The major card networks have unique reason code systems, and banks use separate tools. As we touched on earlier, chargebacks can happen due to technical errors. Visa chargeback reason codes. Updated the following columns - card type, response due date. Accessed October 31, 2022. 0 initiative to update compelling evidence requirements for dispute reason code 10. Blog. 11/03/15 Updated these MasterCard. Fraud. Chargeback Reason Codes by Network - 2023 Guide. Refer to the following list for accepted values in the field chbk_reason_code. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. Visa chargeback reason code 11. 103. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. 4853 – Cardholder Dispute – Goods or Services Not Provided. F24 – No Cardmember Authorization. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Preventing Mastercard Reason Code 4837 Chargebacks. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. This chargeback occurs when merchants do not adequately provide currency information. A “No Authorization” code chargeback can also be the. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. April 2018_Chargeback Reason Code Encyclopedia. Amex Chargeback Reason Code F24: No Cardmember Authorization Description A card-not-present transaction occurs when cardholder files a complaint that he/she. The third digit indicates the specific reason within that category. Documentation must be a direct result of cardholder communication. Reason codes are created by the major. A chargeback happens when a customer requests for a transaction to be. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Fraudulent transactions almost always lead to chargebacks, and chargebacks are also. Reason Code. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. The shorthand description is “No Card Member Authorization. With the right compelling evidence,. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. The new reason codes follow a format of two digits, a period, then a third digit. com. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Overall returns (all codes): 15%. These chargebacks occur to resolve chargeback-related disputes between network members. F29 – Card Not Present. 3. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. 4 Other Fraud Card Absent. A good chargeback return policy will, at a minimum, include. The chargeback process can last from one month to six months. Each bank card network has its owner list of reason codes banks must prefer from. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. The merchandise was as described or was not defective. 0: Changed report name from Downloadable Dispute Report to Case Report. This liability shift essentially provides merchants. Chargebacks from all three categories can show . It’s even more frustrating if you don’t understand what the chargeback code means. Maestro. Additionally, Amex uses a fifth "Miscellaneous" category. The cardholder initiates contact with their bank or credit union to file a dispute. 2 for Visa and Reason Code 4850 for Mastercard). Documentation must be a direct result of cardholder communication. The issuer investigates. There are plenty of reasons as to why this would happen, hence the many. Chargeback reports can help merchants identify opportunities to increase efficiency, improve processes, and prevent future. The cardholder claims they were charged multiple times for a single transaction. 4 – Other Fraud, Card-Absent Environment; Mastercard 4837 – No Cardholder Authorization American Express F24 – No Cardmember Authorization; Discover UA02 – Fraud: Card Not Present TransactionAmerican Express Chargebacks / Disputes. American Express Chargebacks / Disputes. Oftentimes, the reason code assignment is based on limited knowledge and insight. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Solutions. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. In that way, winning one dispute may help prevent the next chargeback to come after it. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. Chargeback Reason Codes / American Express / F24 – No Cardmember Authorization Reason Code F24 Category Fraud DESCRIPTION Why did I receive this chargeback? The cardholder claims he or she has previously shopped with the merchant but didn’t participate in this particular purchase. 10. A02 – No Valid Authorization. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for. Fight; Prevent; Get; Assets. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 6. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Visa also overhauled its system of chargeback reason codes. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. Chargebacks were introduced as a form of consumer protection against. 3. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. pdf - Free download as PDF File (. The most common fraud-related reason codes are: Visa 10. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. This can be transaction receipts, proof of. CARDeposit is a long-running American Express program. Scenario 1 — upfront chargeback. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. Additionally, Amex uses a fifth "Miscellaneous" category. 08. Field name: reasonCode. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Additionally, one clearing transaction. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. Dispute. Different card networks have different reason code systems. 1 Authorisation . Having a Lax Attitude Toward Industry Rules & Regulations. The chargeback can be for the total transaction amount or a lesser amount. the requested documentation, your account will be debited. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. 3: Goods or services were not received: C08: RG: 4855: 13. In simple words, the chargeback reason code provides the reason why you are dealing with a chargeback. Yes. 4; Code #10. In most cases, the bank chooses a course of action based on information the cardholder provides. American Express. She therefore, disputes the amount under the Reason Code F29: Card Not Present. P22 – Non-Matching Card Number. Date Option. com 14. Understanding these codes is essential because they'll guide your response strategy. P22 – Non-Matching Card Number. reason code information. Chargeback prevention strategies vary based on the reason for the. txt) or read online for free. Please see the below “cheat sheet” for the new 4 byte reason codes. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . F26: The name provided. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. The cardholder does not recognize the Merchant. Card Brand Code Description. If the merchant has a signature showing that the order was delivered, or evidence that the. Chargeback Reason Codes Visa. Transaction unauthorized make up 30% of all chargeback reason codes. F24: Multiple Charges: F25:Try Shopify free for 3 days, no credit card required. R13 No Reply. FAQ: What is Chargeback Representment?. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. Chargebacks are something every business wants to avoid, as they can. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. According to data published by ThreatMetrix, nearly 20% of all attempted transactions in the travel industry are identified as fraud attacks: Every travel vertical stands to lose revenue due to online. 634. Chargeback. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Below is a list of Mastercard chargeback codes used in eCommerce. 102. Check the chargeback reason code. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. September 2011: 5. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. United States. Chargeback. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. FAQ: What is Chargeback. 4. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andWith the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. A01 – Charge Amount Exceeds Authorization Amount. 10. There are two parts to this. Chargebacks. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 4 – Other Fraud, Card-Absent Environment; Mastercard 4837 – No Cardholder Authorization American Express F24 – No Cardmember Authorization; Discover UA02 – Fraud: Card Not Present Transaction American Express Chargebacks / Disputes. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. Chargeback .