chargeback reason code 34. The chargeback reason code. chargeback reason code 34

 
The chargeback reason codechargeback reason code 34  Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems

Chargeback reason code 12. The financial impact of fraud and chargebacks becomes greater during a recession. 2 Retrieval Request Reasons and Reason Codes. American Express specifies 34 reason codes under the browse of Fraud, Authorization, Processing Errors, Card Member Disputes, and. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Write customer-friendly policies. But, it could be up to 540 days, in some situations. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. UA06 Fraud – Chip and PIN Transaction. 3. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Traditionally, while the chargeback threshold was generally set at 1% of sales, individual card brands have since lowered. In this scam, a scammer sends a message to their victim. And. Technical. For example, a shopper bought some goods and paid for these on the 14th of October 2017: this is the date that appears as the Disputed date. S. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. It indicated that the transaction amount wasn't what the cardholder agreed to. While the format of chargeback reason codes. There are four common causes for this type of dispute: You entered the same transaction into your terminal more than once. Only an issuer can initiate the chargeback process. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. For example, the merchant bills the cardholder in installments. 33%: Moreover, region-specific laws can also impact chargeback rates. So don’t spend another second worrying about chargebacks. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Chargeback Reason Codes by Industry. Based on the information provided, Paymentology will investigate the transaction being disputed. Otherwise, you'll. Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents online faster. 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. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. ) A no-nonsense summary of evidence that proves transaction is legit. 3. Date Option. Chargeback prevention strategies vary based on the reason for the. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Code 81. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. American Express chargeback reason code C04 falls under the “Card Member Disputes” category. False Declines and False Positives: Issues arising from improper transaction reviews. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. It is associated with a chargeback reason code, and it is specific per Card Scheme. 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. NOTE: Domestic Processing Violations are not a covered reason under new Visa chargeback codes. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Thanks for following the Chargeback Gurus blog. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. 3 No Authorization. Example: If there is a known or suspected fraudulent transaction, the merchant can refund the money, or if there should have been a refund due to operational error, they can issue a refund to prevent a chargeback from occurring. The assigned chargeback reason code outlines why a customer submitted the dispute. R03 Insufficient Reply. 7. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. and the last 4 digits of the card number. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. A new 4 byte reason code will be used moving forward. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. message. This may include information about the. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. 196 ‹” Chargeback Reason Codes… !ó Retrieval Reason Codes… Í Sheet3š š £ £ Œ ® ;H Á Á Õ8 ü ! À Mastercard Reason Code Description Time Frame Retrieval Required 01 Yes 02 07 No 08 12 31 Transaction amount differs 34 Duplicate Processing 35 37 No Cardholder Authorization 40%Fraudulent Processing of Transactions 41 Cancelled. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. © Chargeback Reason Codes All received credit card disputes include a reason code. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. You. 34 Chapter 2: Dual. 4841 Canceled Recurring or Digital Goods Transactions. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. 2. 1 - Late Presentment. The shorthand description is “Transaction Amount Differs. Chargebacks are something every business wants to avoid, as they can. 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. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Accessed October 31, 2022. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. Step 4: Card Network Collects Dispute Information. Each American Express reason code consists of one or more letters, indicating the category, and a number that identifies the. 16, 2021. 3. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. Reason Code Description. Contents AUSTRALIAN MERCHANT CHARGEBACK REASON CODES. The reason codes are grouped into several broad. You must contact your Relationship Manager for information about the. UA02 Fraud – Card Not Present Transaction. com. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Complicating things further, friendly fraud doesn’t provide you with any red flags. M01 Chargeback Authorization. “It’s a lot tougher with Mastercard because they only use four main codes. Each card issuer follows their own standards for defining reason type, code and its format. This area shows you the type of dispute (chargeback in the example above) and the reason code. 3: Goods or services were not as described: C31: RM: 13. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. We say the given reason because it may or may not reflect the true reason. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Also, just like American Express, Discover functions as both a card network and an. Credit card chargeback reason code: Type: varchar; Max length: 32 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. This can provide important information to fight the dispute. High Level Visa Chargeback Dispute Flow. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. France saw a drop of roughly 50% during the same period. legitimate duplicate processing chargeback, do not issue a direct credit to the cardholder - the credit will automatically be applied. What is Visa. The most comprehensive guide to chargeback reason codes. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. National Payments Corporation of India Confidential Page 6 of 164. 2 Added chapter providing information about the DiscoverAs both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Use clear and consistent billing descriptors. 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. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. 0 is to make the chargeback process more efficient, transparent, and fair. This chargeback occurs when merchants do not adequately provide currency information. Complete Guide to Visa Compelling Evidence Update CE 3. Reference these when rebutting cardholder disputes at your small business. 04/09/14 Discover: DC, U02. Your chargeback response must include at least one of the following items: If the goods or services provided are the same as what was promised, provide copies of the written descriptions made available at the time of the purchase. ”. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. 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 Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Please see the below “cheat sheet” for the new 4 byte reason codes. ; Help Center Find answers to common questions about Midigator’s technology,. The sales slip must include both a UA01 Fraud – Card Present Transaction. You should code appropriately to handle all codes applicable to the transactions you use. 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. What is Visa chargeback reason code 12. 634. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. Chargeback reason codes have changed. 4849 – Questionable Merchant Activity – Mastercard Rule 3. Fraud (10)& Authorization (11)“Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary databases, and our deployment of state-of-the-art technology for tracing cryptocurrency are the strategic advantages that allow MyChargeBack to build the strongest possible case. In the case of friendly fraud, that reason could be completely invalid and. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingA chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Region Only) 4855 Goods or Services Not Provided. The following tables show the Stripe categories for each card network’s dispute reason codes. The shorthand description is “Transaction Not Recognized. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. ”. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. 2=1020 etc. 15, 2021. UA05 Fraud – Chip Counterfeit Transaction. If the merchant has a signature showing that the order was delivered, or evidence that the. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Those reasons are explained through the corresponding reason codes. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. R. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. Having a Lax Attitude Toward Industry Rules & Regulations. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. For information concerning Chargeback Response Code, see the Chargeback API Reference Guide. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. . EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. You may also provide other forms of evidence such as photographs, emails, etc. Now, compliance cases must be submitted through Visa Resolve Online (VROL). All ACH return reason codes consist of the letter “R” followed by two. The situation is only growing worse; according to the 2022 Chargeback Field Report, six out of every ten chargebacks issued in North America in 2023 will be the result of friendly fraud. . A chargeback happens when a customer requests for a transaction to be reversed. 2. Friendly fraud was actually the #1 fraud threat concerning merchants in 2021. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Values are: Blank: Use the draft G/L date. A recent survey by Checkout. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. 2. ”. NSF and ISF mean that at the time the. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Chargeback Reason Code. The shorthand description is “Point-of-Interaction Error. MASTERCARD Reason Code Description. Which is meant to know the reason for the dispute. Reason code 4808 (Authorization-related Chargebacks) addresses disputes involving the timeliness of the presentment in relationship to the authorization. Table A-1 shows all possible values for the <response> and <message> elements. By entering your email, you agree to receive marketing emails from Shopify. All 1. The cost of fraud relative to the transaction amount also increases by 12%. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. In simple terms, VCR introduced five definitive. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). American Express chargeback reason code C42. Code 34 – will be renamed 'Point of Interaction Error' and will be used for the following issues: 31 Transaction amount differs; 34 Duplicate processing; 42 Late presentment; 46 Correct transaction currency code not provided; Issuers have the option of using the existing chargeback reason codes or the renamed code covering a variety of issues. 4853 – Cardholder Dispute – Credit Posted as a Purchase. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. 60 due to merchandise, fees, overhead, and other sources of loss. A dispute often has a reason code associated with it. The shorthand description is “Late Presentment. 0. 3. Across open networks and include account numbers sent over email, instant messaging, text, or chat. 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. 3. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). With the chargeback code in hand, the merchant can now review the transaction. Some reason codes indicate a high likelihood of fraud, and instruct you to hold on to the card and contact the bank: 4 - Pick Up Card; 7 - Pick Up Card, Special Conditions; 33 - Expired Card – Pick Up; 34 - Suspected Fraud – Pick Up; 35 - Contact Acquirer – Pick Up; 36 - Restricted Card – Pick Up; 37 - Call Acquirer Security – Pick UpCardholder Disputes. The initial release of this standard does not add, remove or change any Return Reason Codes. Receive the Chargeback. Accidents happen, and it’s. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. M49 Vehicle Rental – Theft or Loss of Use. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Check the chargeback reason code. ”. The shorthand description is “Incorrect Account. Specify the invoice date and net due date to assign to chargebacks. 1 chargeback: 1. The claim often, but not always, involves automated teller machines (ATMs). American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. 1 to RC 11. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Everyone has had the experience of buying. . In Merchant News and Info, Credit Card Processing Chargebacks are a part of business life. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. Mastercard Chargeback Reason Code 73: Duplicate Transaction. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. mastercard chargeback reject codes. Duplicate Processing - 81Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Here’s how your store can prevent and deal with chargebacks. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. FR2 Fraud Full Recourse Program. ”. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. message. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. com Europe. 12. • 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. Nearly 1 in 4 online businesses have a chargeback rate that exceeds 1%, while 80% of merchants report a chargeback rate above 0. Chargeback time frames - A specific period during which a chargeback can be raised. Reason Code. Mastercard asserts that SecureCode will prevent unauthorized charges and reduce fraud. Respond to invalid disputes. Reason code 83 represents a chargeback categorized as. 18167 US Highway 19 N Clearwater, FL 33764 877. 06%: 1. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. A reason code is how banks categorize the reason for a chargeback. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. 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. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. . Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. ”. Automate Tasks & Streamline Processes to Improve Business. Most dispute reason codes that. Chargeback reason codes. It is associated with a chargeback reason code and it is specific per Card Scheme. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. Proof you have already refunded the transaction and credited the cardholder’s account. 1. Chargebacks are something every business wants to avoid, as they can. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. Mastercard chargeback reason code 4846 falls under the “Point-of-Interaction Error” category. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. Prevent Chargebacks & Reduce Payment Processing Risk. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Updated these Visa Chargeback Codes: 30, 62, 85. In fact, 91. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. 3. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Initiated On or After 17 July 2020 > Chargeback Message Reason Codes > Second Presentment:. You’ll put that reason code, the transaction amount and authorization number, and state that the. See Reason Codes for more. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Review your credit card processor’s policies to understand its chargeback dispute process. However, Visa is the largest card brand in both the United States and the world. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. 4859 Addendum, No-show, or ATM Dispute. Get your complete. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 5%. ”. For example, the merchant bills the cardholder in installments. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Discover is a credit card network and an issuing bank—just like American Express. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Below is a full list of reason codes that require compelling evidence: 37; 83; 1040; 1310; 7030; C08; F29; UA02; Empty reason codes; If a dispute has any other reason code, there are no specific evidence requirements, and the evidence does not need to be categorized. The right to dispute a transaction is a federal law in. For example, Mastercard has a code which indicates a ‘consumer dispute. If you do perform a key-entered transaction, make a manual imprint of the card. EMV has been a mostly global standard since 2004. 00. Specify the default reason code to. The transaction amount and authorization number (ARN. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. It’s based on a proven technology that has demonstrated effectiveness against online credit card fraud. But, it could be up to 540 days, in some situations. As we touched on earlier, chargebacks can happen due to technical errors. The shorthand description is “EMV Counterfeit. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 3. Accessed October 17, 2022. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. Everyone from processors and card brands to local and federal governments has rules about how payments should be handled. Mastercard Chargeback Reason Code 70: Chip Liability Shift. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. FR2 Fraud Full Recourse Program. It is very important to ensure you have the correct code associated with your chargeback otherwise the request will be denied. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. . What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. If using any other currency than this, it should be equivalent to the specified amount. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. 02/10/16 Added Debit Chargeback Reason Codes. ”. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. The most popular type of disputes of the chargeback category. Check the chargeback reason code. Overall returns (all codes): 15%. 1 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. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. PCI DSS v3. Discover: Reason Code 4755 Non-receipt of goods or services. Batch chargeback process. . Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. 80.