EMV has been a mostly global standard since 2004. For example, let’s say you attempt to debit (or deduct) $100 from your customer’s bank account, but they only had. Reason Code 11: Merchant Collusion: The merchant participated in fraudulent collusive activities. Not recognizing your billing descriptor on a statement. 0 rule changes take effect April 15,. What is the chargeback reason code? The reason code is an alphanumeric 2 to 4-digit code provided by the issuing bank that identifies the reason for the dispute. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. Shopify has four status categories for chargebacks and inquiries: Open: No. The business has the chance to refute the chargeback. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Learn about chargeback dispute behavior among UK and US consumers. Chargeback . If you have already. 104. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. reason_description: string. Scrutinize chargeback additionally alert data by dozens of metrics. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. P04. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. P03 – Credit Processed as Charge. 4853 – Cardholder Dispute – Credit Not Processed. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. American Express. Chargeback Codes (continued) C04 Goods/services returned. If a payment is unsuccessful, PayPal usually gets the return message from the ACH. Reason Code 81: Fraud. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. Once filed, the merchant generally has 20 days to respond to the chargeback. 3. Reason Code 02. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. . 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringA counterpart program, the Visa Dispute Monitoring Program, may apply to both fraud- and non-fraud-related reason codes. The nature of the threat makes it a moving target. The merchant authorizes Amex to process a chargeback for the transaction in question. #9. Pages 124 This preview shows page 90 - 93 out of 124 pages. 65% with at least 75 total disputes. That said, looking up purchases using this number can make it easier to provide info following an. Unassigned Card Number. 0 is to make the chargeback process more efficient, transparent, and fair. Categories For Reason Codes. Cost. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. With that said, you still need to understand the reason codes with any chargebacks from Amex. 4: Other Fraud – Card-Absent Environment. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. 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. Message. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. 60. But friendly fraud is much more ambiguous. 5 under Visa Claims Resolution). There are two types of invalid chargebacks. The cardholder alleges they never received the products or services. ) A no-nonsense summary of evidence that proves transaction is legit. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Overall returns (all codes): 15%. After four months at the Standard level or immediately at the Excessive level, merchants are also eligible to receive chargebacks under reason code 10. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Consider Deadlines. Solutions. P04 – Charge Processed as Credit. An ACH dispute results in a chargeback for the business that processed the payment. Additionally, Amex uses a fifth "Miscellaneous" category. ’Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. 3: Goods or services were not received: C08: RG: 4855: 13. Only an issuer can initiate the chargeback process. R06 – Returned due to ODFI’s request. P01: Non-Matching Account Number: 120: Authorization: Amex: P03: Credit Posted as a Card Sale: 120:These are only a handful of common Visa chargeback reason codes. Responses to retrieval requests that are over 4 pages will. 2 – EMV Liability Shift Non-Counterfeit Fraud. Chargeback Prevention Alerts Reset my arguments quickly before it become chargebacks. It was originally just one facet. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. After twelve months in either the Standard or Excessive programs, Visa may exercise their right to cut off the merchant’s ability to process Visa payments. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. 0. 4. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Please note that the most common Chargeback reason code for Allocation disputes is 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. 2. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Visa Chargeback Reason Codes. Intelligent Dispute Responses Win better disputes and achieve higher ROI with customized struggling regulations, optimized responses, and economically batch. Chargeback reason codes have changed. Each code begins with 'R' followed by a two digit number. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason code, price, billing cycle, and lag time (amount of time between the transaction and the dispute). Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Chargeback Reversed (Positive Signal) P01: Transaction submitted for invalid/incorrect Account number: P02: Transaction submitted for invalid/incorrect Account number: P05: Transaction Processed in Wrong. Thus, a reason code of one network does not necessarily match with a reason code of another network. Section5. Reason Code. Duplicate Processing - 81The 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. 1. . Transaction unauthorized make up 30% of all. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Amex. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. The merchandise was as described or was not defective. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Knowledge of such codes can help businesses file a chargeback dispute successfully. Chargeback fees can start at US$25 and go up from there. ACH Return Codes. While the service is expensive, and only certain merchant processors know how to facilitate this, it might be a viable option for bustling e-commerce businesses as a way do decrease costly. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. ” -This reason code is used for the unusual circumstance of processing a transaction using an invalid or otherwise incorrect card number. Visa chargeback reason code 75 is filed as an honest mistake. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 101. Read on for the complete guide to dealing with chargebacks. S. The R01 ACH return code simply means that the bank account you requested payment from didn’t have the funds necessary to cover the payment. These codes are broken down into five different category. Fraudulent TransactionsThe problem continues to grow out of control with each year. Download this sample Chargeback Rebuttal Letter. In this scam, a scammer sends a message to their victim. Immediate Chargeback Program: FR5: No Further Recourse: FR6: Partial Immediate Chargeback Program: P01: Unassigned Card Number: P03:. Chargeback time limits vary depending on the reason for the dispute. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. 3 falls under the “Authorization” category. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. 3: Goods or services were not received: C08: RG: 4855: 13. Discover - UA02 Fraud – Card Not Present Transaction. 1: Use the corresponding dates from the invoice. 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. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. Tap “View Details. The chargeback process can last from one month to six months. Updated August 23, 2023. P01 Unassigned Card Number P03 Credit Processed as Charge P04 Charge Processed as Credit P05 Incorrect Charge Amount P07 Late Submission P08 Duplicate Charge P22. 1. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. 46 4. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. Here are the two possible scenarios: 1. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. They only bill customers during a dispute if there is compelling evidence to show the cardholder’s account is in the wrong. As we touched on earlier, chargebacks can happen due to technical errors. While there are many chargeback reason codes, all chargebacks fall into one of three categories:In most cases, you will have 20-45 days in which to respond to a chargeback. (ISO 4523 / P01) Description. As a merchant, you face the brunt of chargeback losses. 4 Fraud – Card-Absent Environment. This is commonly caused by either true fraud or friendly fraud. Duplicate Processing. P03. If you fulfilled the cancellation request but the cardholder continued to use the services, provide documentation that proves the charge covers services used after the cancellation. 4. Once filed, the merchant generally has 20 days to respond to the chargeback. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. GraphQL Docs & Tools. 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. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Additionally, Amex uses a fifth "Miscellaneous" category. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Representment Documentation. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. A reason code is how banks categorize the reason for a chargeback. 9% with at least 100 total disputes. Chapter 2 1. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. 3: Goods or services were not as described: C31: RM: 13. Mastercard: Reason Code 4859 Service not rendered. 4 Other Fraud Card Absent. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Reason Code Number. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Select the value “open”. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. 2 EMV Liability Shift. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. Late Presentment Rules: Mastercard. 102. [noun]/* kə • stə • mər • di • spyo͞ot/. 2. Additionally, Amex uses a fifth "Miscellaneous" category. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. On the home screen, tap “Disputes. 3? Visa chargeback reason code 13. EMV Liability Shift Counterfeit Fraud. Listed as American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040, customers file fraudulent chargebacks when they believe fraud has occurred. 1 alpha followed by 2 numeric digits. Please note that each card network (MasterCard, VISA, American Express, etc. Each code corresponds to an issue or problem. Have more questions? To learn more about handling and preventing disputes, visit americanexpress. Each chargeback reason has its own, individual prevention techniques. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. p01 Unassigned Card Number. Any chargeback that is received without a reason code will be assigned a default code of 53. So don’t spend another second worrying about chargebacks. A01 — Charge Amount Exceeds Authorization Amount The approved authorization amount is less than the amount of the sale submitted by the. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 4: Fraud—Card-Absent Environment. 3: Goods or services were not received: C08: RG: 4855: 13. Fraudulent Activity. F02. 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. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. Fine Period - month 2 or 3. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. 1 The chargeback goes under the Reason Code P01: Unassigned Card Number. 634. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 2. You can see a reason code 11. 4 spec (Section 8. Ideally, the chargeback reason code will determine the type of evidence you share. Here’s how your store can prevent and deal with chargebacks. Number two: Product Not Received chargebacks. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. 0 initiative to update compelling evidence requirements for dispute reason code 10. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. 3: Goods or services were not as described: C31: RM: 13. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. 6. Visa chargeback reason code 11. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. This does not include an AuthorizationRecent data suggests that total fraud costs in the travel space will exceed $25 billion a year by 2020, and that’s considered a low estimate. Visa chargeback reason code 11. Incorrect Charge Amount. Reversal. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. The merchant generates a QR code for the transaction, which the customer scans using the Alipay app on their smartphone to complete the payment. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Visa retired the “unrecognized” reason code (number 75) — a reason code that wasn’t previously considered fraud. Spot these types of chargebacks using the below reason codes. 1: 10: Fraud: EMV Liability Shift Non-counterfeit Fraud: 10. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. 9905. Discover uses unique codes to explain those reasons to merchants. In a traditional payment system, the customer authorizes a payment, and then the merchant submits it for clearing to the issuer—effectively requesting to “pull” money from the customer’s account. 7: Defective goods and services: C32: RM: 13. For more information on these and other updates, check out our complete chargeback reason. Visa - 10. The terminal action codes are in Table 122 of the 4. The most comprehensive guide to chargeback reason codes. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. P01: Unassigned Card Number: P03: Credit Processed as. P01. ; eventCode: CHARGEBACK. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. If you get a chargeback,. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. A chargeback can happen when a customer initiates a transaction dispute. F02. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. 1. 7: Defective goods and services: C32: RM: 13. 60 due to merchandise, fees, overhead, and other sources of loss. Categories For Reason Codes. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. 00 in chargebacks. Be sure you understand the cardholder’s claim. 800. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. The shorthand description is “No Authorization. Additionally, Amex uses a fifth "Miscellaneous" category. 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. To help you identify what happened, look up the code you received for the dispute below. One catch is that CE3. ”. 1 The new reason codes follow a format of two digits, a period, then a third digit. Goods and services not as described or cardholder received defective goods or services 3. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. 4841 Canceled Recurring or Digital Goods Transactions. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 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. Chargeback fees can start at US$25 and go up from there. Versions Affected: v5, v6. eCommerce. Friendly fraud. Clerical Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Also, just like American Express, Discover functions as both a card network and an. Not only do you need to know how long the timeline is, but you also need to know when the clock. Specify the default reason code to. Different card networks have different reason code systems. 1, "Compelling Evidence for goods/services not2. It depends on the chargeback reason code associated with the dispute. in time or with the requested documentation, the Chargeback will stand. ; success: true. Save fulfillment costs, stop chargebacks, furthermore improve customer fulfillment. Scenario 2. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 6: Duplicate processing/Paid by other means. Save fulfillment costs, prevent chargebacks, the improve customer satisfaction. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. chargeback: The buyer filed a chargeback with the credit card issuer. Amex Dispute Codes Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. For best results, your chargeback win rate should be as close to 100% as possible. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. Stage 1: First Chargeback. A reason code is an alphanumeric code selected from a predetermined list by the issuing bank to indicate the reason the cardholder gave for requesting a chargeback. A chargeback is the potential outcome of a disputed credit or debit card transaction. The way you manage chargebacks depends on your account setup. Solution. In fact, 91. 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. Code. P03 — Credit Processed as Charge Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Depending on the reason code, chargeback disputes may have different time limits. STEP #7: Bank Review & Decisioning. Braintree Support Articles. This chargeback occurs when merchants do not adequately provide currency information. View the entire list or search for any chargeback reason code. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Try Shopify free for 3 days, no credit card required. This ranges anywhere from roughly 60 to 90 days after purchase. There are over 80 unique return codes, and each one represents a different type of return. Each bank card network has its owner list of reason codes banks must prefer from. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. While the reason code may not reflect the true reason for the chargeback, you must respond to the chargeback based on the code provided. The assigned chargeback reason code outlines why a customer submitted the dispute. Using the same link provided above, contact PayPal to report the scam. Region Only) 4855 Goods or Services Not Provided. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Documentation must be a direct result of cardholder communication. Once filed, the merchant generally has 20 days to respond to the chargeback. American Express Chargeback Reason Codes – Chargeback Expertz. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. 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. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time. 1 Chargeback reason codes There are no common chargeback reason codes in the industry; instead, each card network defines its own reason codes. Receive the Chargeback. 4. CE 3. If the customer’s story matches. 3: Goods or services were not as described: C31: RM: 13. See moreAmerican Express chargeback reason code P01 falls under the “Processing Errors” category. Unauthorized returns (R05, R07, R10, R29, R51): 0. Visa, MasterCard, and American Express all list compelling evidence by reason code. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs.