Visa (Pre-VCR) and MasterCard Chargeback Process
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cnpAPI Reference Guide V3.1
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TABLE 2-3 Visa Chargeback Reason Codes and Descriptions
Code Message Necessary Action
30 Services Not Rendered or Merchandise Not
Received
Note: Also see Changes to Visa Dispute
Resolution Process on page 13.
Provide proof that cardholder/authorized
representative received
merchandise/services, or provide statement
indicating merchant did not receive returned
merchandise, or provide proof that a credit
was processed.
41 Cancelled Recurring Transaction Provide proof that charge was within
preauthorize range of amounts and provide
proof that you sent the cardholder
notification 10 days in advance of charge
and no response was received back denying
consent for charge to be posted, or provide
proof that a credit was processed.
53 Not as Described or Defective Merchandise
Note: Also see Changes to Visa Dispute
Resolution Process on page 13.
Provide proof that you fixed any deficiency
that led to the chargeback, or that the items
were as described, or provide proof that a
credit was processed.
57 Fraudulent Multiple Transactions Provide proof that multiple fraudulent
transactions did not occur and multiple
transactions were authorized by cardholder,
or provide proof that a credit was processed.
62 Counterfeit Transaction Provide proof that the
account-number-verifying Terminal at the
member/merchant outlet could not read the
magnetic stripe, or that the authorization
record contains a POS entry mode code of
“90” or “05” or a valid online card
authentication cryptogram, or provide proof
that a credit was processed.
70 Account Number on Exception File Provide proof that the account number was
not listed on the Exception file with a “pick
up” response at 8PM PST on the date
preceding the transaction date, or that
Account Number Verification or
Authorization was obtained, or that the
transaction was Chip-initiated and
authorized offline, or provide proof that a
credit was processed.
71 Declined Authorization Provide proof that valid authorization was
obtained on the transaction date, or that
transaction date is different, or transaction
was Chip-initiated and authorized offline, or
provide proof that a credit was processed.