Chargebacks & Risk

Reason Code

The card-network code that states why a chargeback was filed — such as fraud, product not received, or duplicate billing. The reason code determines what evidence a merchant must supply to dispute it successfully.

Reading the reason code first tells you which battle you are fighting. Matching your evidence to the specific code is the difference between a won and lost dispute.

Go deeper

Related terms

Chargebacks & Risk

Chargeback

A forced reversal of a card payment initiated by the cardholder's bank, usually after a dispute over fraud, a product issue, or a billing complaint. Chargebacks return funds to the customer and often add a fee for the merchant.

Read

Chargebacks & Risk

Representment

The process of disputing a chargeback by re-presenting the transaction with evidence that the charge was valid. A well-built representment package — proof of delivery, authorization, and policy acceptance — can recover the funds and the sale.

Read

Ready to get approved?

Tell us about your business. A high-risk specialist will map the fastest path to live payments.

Start my application apply@spectrumepay.com