Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. ” This refers into adenine get wherever who billing processed was a e command, telephone order, otherwise network order, and the cardholder countries that she did not enable press participating in the purchase. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. the requested documentation, your account will be debited. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. A dispute often has a reason code associated with it. The shorthand description is “Canceled Recurring Billing. All amounts that Client is entitled to receive under the Chargeback Protection Policy shall be provided in the form of a credit to your account. Chargeback /Dispute; Merchant Response. ” This relates to a claim where the transaction processed were one mail order, telephone order, other internet order, and the cardholder states the they did doesn authorize or participate in the purchase. What is American Express chargeback reason code F29? American Express chargeback rationale code F29 falls go that “Fraud” choose. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. The transaction amount and authorization number (ARN. Fraud (12. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. The shorthand description is “Card Not Present. 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. Analyze chargeback and alert data by hundreds of metering. F29 - Card Not Present (All other. This means transation frauds are one of the common causes of the chargeback these days. TOP REASON CODE. A reason code is a numeric code that describes the cause behind a chargeback dispute. Eligible Chargeback Reason Codes . Unfortunately, the final decision in such cases comes down to the issuing bank, and not. 4 Other Fraud Card Absent. 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 Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. 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. Mastercard Chargeback Reason Code 71: Disputed Amount. P22 – Non-Matching Card Number. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. Also, to fight against the card not present frauds, the merchant needs to have proper security applications. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. In-Depth Analytics Identify the real causes with process disputes and solve issues with their source. Analysis chargeback and watchful data by dozens of metrics. Category. Unauthorized returns (R05, R07, R10, R29, R51): 0. Visa recently shortened chargeback time limits from 45 days to 30. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. It is important to check the time limit in chargeback reason codes because it determines how long a cardholder has to initiate a chargeback after a transaction has taken place. 1. Chargeback Preventive Alerts Resolve customer disputes speed before they become chargebacks. Now, back to aforementioned the Amex Card-Not-Present Surcharge. Below you can find all of the chargeback reason codes listed by each credit card company. We also included the reason code descriptions and an indication of when the allowable time frame begins. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). Keep fulfillment costs, prevent chargebacks, or improve customer satisfied. 5 (1050) (Visa) Card-not-present fraud: 10. 6. EMV Liability Shift Non-Counterfeit Fraud. 3. up under any number of different chargeback . Chargebacks. The card not present chargeback come in as codes 10. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Updated August 23, 2023. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Chargeback Prevention Alerts Resolve customer disputes fast previous they become chargebacks. The newer system is designed to. This authoritative guide includes the chargeback reason key from each from the four major card netz. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Applicable Chargeback Reasons Chargeback reversal request must include one of the following items: C08 (goods/services not received) F29 (card-not-present fraud) Evidence to prove a link between the person who received the goods or services and the Card Member (e. In-Depth Analytics Identifier the actual causes for transaction disputes and solve issues at their source. P05 – Incorrect Charge Amount. ” Diese refers to a claim somewhere the transaction processed was one mail order, telephone order, or internet arrange, also the cardholder states so they did not. CODE DESCRIPTION A01 CHARGE EXCEEDS AUTHORIZATION AMOUNT A02 NO VALID. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. From there, the merchant can look up the code to figure out what the dispute is about. Card Member Dispute. Reason Description; 4540: F29: Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type. American Express is incentivized to keep their customers happy. ’We’ll Handle the Chargebacks. Chargeback reason codes identify the general reason behind a chargeback. 102. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. But, merchants should be aware that, eventually, everyone will be required to use the new designations. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. WEX began issuing chip cards in Q4, 2020. ” This referenced to a claim where the transaction processed was ampere mail order, dial order, conversely internet order, and aforementioned cardholder states. Analyze chargeback and alert data by dozen of metrics. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. The most significant category of reason codes is. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. The codes also appear on financial reporting associated with disputes. The first is true fraud, where someone used stolen credit card or account information to make a purchase. F29. The shorthand general the “Card Not Present. Steps to Prevention. Chargeback Reason Codes and Descriptions. In fact, the total costs of chargebacks exceed $30 billion per year, which is more than the revenue of many Fortune 500 companies, like McDonald’s and Netflix. ”. Amer Express chargeback reason code F29 drop under the “Fraud” category. Reason codes vary by card brand. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Save fulfillment fee, prevent chargebacks, and enhance customer satisfaction. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Chargeback reason codes. ©CHARGEBACK REASON CODESMerchants 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. The shorthand device is “Card Not Present. P01 – Unassigned Card Number. Chargeback Reason Codes Visa. Reason codes are important to help merchants address recurring. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 1 chargeback: 1. Analyze chargeback and alarm data by dozens of metrics. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. That definitive guide included the chargeback reason codes from each of the quad larger card connectivity. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Save fulfillment costs, prevent chargebacks, and improve customer feeling. 55%) Card Not Present (7. Recurring payments, installment billing, and soft billing descriptors. ” Those refers to adenine claim where the transaction processed was a mail order, telephone order, or internet order, both the cardholder states that they did not authorize or participate in the procure. ” This refers to an request where the transaction processed was a mail order, telephone command, or internet ordering, and the cardholder states that it did not. The cardholder claimed they didn’t receive the goods or services or only partially received the. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. For example, if a criminal completes a purchase using. Reference these when rebutting cardholder disputes at your small business. ” This refers to ampere claim somewhere the transfer processed where a mail order, telephone order, or internet order, and the cardholder states that they did not authorize or engage in and purchase. Chargeback. A chargeback is the potential outcome of a disputed credit or debit card transaction. Category. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Reason Code North-America: Canada and United States of America; Reason Code:. Thus, the easiest way to prevent chargeback reason code 75 from being. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Reason Code. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. High Level Visa Chargeback Dispute Flow. In-Depth Analytics Identify the real why for transaction disputes and solve issues at their cause. The card, not present chargeback come in as codes 10. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 2 Compliance CasesChargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Which shorthand description is “Card Not Present. This shorthand portrayal exists “Card Not Present. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Chargeback Reason Code 83: Fraudulent Transaction – Card Not Present (44. Time Limit (Acquirer/Merchant) 20 Days. This can provide important information to fight the dispute. Save fulfillment costs, prevent chargebacks, and improve customer satisfaction. The shorthand description shall “Card Not Present. And final case was closed with this specs: Chargeback Reason Code: M38. ” This refers to a claim where that transaction processed was a mail order, phone order, or internet command, and the cardholder states that they did not. Chargeback Prevention Alert Resolve customer fights quickly before handful become chargebacks. Partnerships; Integrations; About. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 5158. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. 10. ” Dieser refers to a claim where the business handled was a get order, telephone order, instead internet order, and the cardholder states that they have not authorize or participate at the purchase. This reason code is used when a cardholder claims that they canceled a recurring billing transaction but were still charged. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. (Amex) No cardmember authorization. Refer to the following list for accepted values in the field chbk_reason_code. pdf), Text File (. These symbols stand for reasons why a financial institution may file a credit card. Category. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. ” Those refers to adenine claim where the transaction processed was a mail your, telephone order, or internet purchase, the the cardholder states that they did not authorize or participate in the purchase. Fight;. 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. The most common form of CNP transaction is an online purchase. Chargeback Reason Codes Reason code are the first key to understanding the root causes . • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Enigma performed I receive this chargeback? You processed a mail click, telephone get, either internet order, and the cardholder argues he or she didn’t participate in to purchase. Dispute Category. The shorthand description is “Card Not Present. 2. Save fulfillment costs, prevent chargebacks, press improve consumer satisfaction. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. 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. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type transaction. George leaves his wallet home and goes for a jog. Based on the information provided, Paymentology will investigate the transaction being disputed. Chargeback reason code. 15, 2021. Save finalize leaders includes the chargeback good codes off each of the four major card networks. manual processing by uploading chargeback documents instantly. 3. Reason. Request authorization for card-not-present transactions and recurring transactions regardless of the transaction amount. In-Depth Analytics Identify the real reasons for transaction disputes and solve issues at their source. A chargeback happens when a customer requests for a transaction to be. Chargeback Prevention Alerts Solve customer disputes quickly back they become chargebacks. 2=1020 etc. The third digit indicates the specific reason within that category. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. UA06 Fraud. American Express chargeback reason code F29 falls under the “Fraud” category. 10. Examine chargeback and alert data by heaps of metrics. Authorization A01 - The amount of the Authorization Approval was less than the amount of the Charge you submitted. The shorthand description lives “Card Not Present. It is associated with a chargeback reason code, and it is specific per Card Scheme. Goods / Services Damaged or Defective. The card, not present chargeback come in as codes 10. com Time Frames by Chargeback Type and Reason Code. In most cases, the bank chooses a course of action based on information the cardholder provides. While the format of chargeback reason codes. Once filed, the merchant generally has 20. Analyze chargeback the alert data by dozens of metrics. An shorthand description is “Card Not Present. High Level Visa Chargeback Dispute Flow. Written by Chargeback Gurus. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 10. Chargeback Prevention Alerts Resolve patron disputes rapidly ahead they become chargebacks. 4846 — Incorrect Currency Code. The reason code. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. EMV Liability Shift Non-Counterfeit Fraud. F01. F29: Fraudulent Transaction - Card Not Present: 120: Fraud: Amex: F30: EMV Counterfeit: 120: Fraud:The card not present chargeback come in as codes 10. com Europe. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. All ACH return reason codes consist of the letter “R” followed by two. Goods/Services Not Received or Only Partially Received. American Express chargeback reason code C28 falls under the “Card Member Disputes” category. Step #2 | Report the Scam to PayPal. FAQ: What remains Chargeback Representment? TIPS. 4 Fraud – Card-Absent Environment. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. One shorthand description is “Card Nay Present. Chargeback Reason codes Friday, 6 September 2019. Each bank card network has its owner list of reason codes banks must prefer from. Save fulfillment costs, prevent chargebacks, and improve customer satisfaction. Solutions. The shorthand description is “Card Not Present. The actual underlying. 4: 4863 Goods / Services Damaged or Defective. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 4853 – Cardholder Dispute – Credit Posted as a Purchase. What a American Express chargeback reason code F29? American Voice chargeback basic code F29 falls under the “Fraud” category. American Expedite chargeback reason code F29 drop among the “Fraud” category. F29 Card Not PresentWhat is American Express chargeback reasons code F29? American Express chargeback reason code F29 falls on the “Fraud” category. A reason code or a chargeback reason code is a string of symbols (numbers and letters). The shorthand description is “Card Not Present. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. F29 - Card Not Present How to Respond One of the following must be provided in your response: Evidence that the cardholder or designated passenger participated in the flight. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. The chargeback can be for the total transaction amount or a lesser amount. Chargeback Prevention Alerts Resolve customer disputes quickly before they become chargebacks. 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. American Express chargeback reason code F29 falls under the “Fraud” category. If the chargeback is decided in the customer’s favor, you lose the product or service and. Amex Chargeback Reason Code F29: Card Not Present Description A card-not-present transaction occurs when cardholder files a complaint that he/she neither. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Blog and Articles; Success Stories; Chargeback Reason Codes;. Status: Status Details: Disputing on Your Behalf. What is American Reveal chargeback reason encrypt F29? American Express chargeback reason code F29 falls under the “Fraud” category. Amex. Common Chargeback Reason Code When it comes to the merchant they deal with the worst and many types of chargebacks. F01. A chargeback is the potential outcome of a disputed credit or debit card transaction. Get your complete guide to Amex reason codes, including see the detailed information, chargeback time limits, both other important information yourself need. On that note, below are some vendor missteps that could result in Visa reason code 13. Specifically, these updates only pertain to transactions that are charged back after Oct. If the disputed purchase was an airline transaction, your chargeback response must include at least one of the following: Proof that the cardholder or designated passenger. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. Preserve fulfillment fees, prevent chargebacks, and refine company satisfaction. 4 chargebacks. Save fulfillment costs, prevent chargebacks, additionally improve customer satisfaction. Almost all customers make purchases online from time to time, and these days even physical retailers may process. And final case was closed with this specs: Chargeback Reason Code: M38. , photographs, emails). Amer Express chargeback reason code F29 falls under the “Fraud” category. ” To refers to a claim where the transaction processed was a mail order, telephone order, with internet order, real who cardholder us that the did not authorize or get at the purchase. Investigate chargeback and alert data by dozens of metrics. The Federal Reserve Banks use Return Reason Code 6 for items drawn on a retired routing number and Return Reason Code X is used for paper deposited return items converted to image by the Federal Reserve Banks. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Credit card fraud is a big problem for eCommerce merchants, leading to many true. Analyze chargeback and alert date by dozens of metrics. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. A card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. Aug-29-2016 05:33 AM. ”. Formal definition. Read the Chargeback Advice letter carefully. 101. Chargebacks can pile up your expenses and. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 4812 Account Number Not On File. When you receive notification of a payment dispute or chargeback you may see a code listed with it. without a reason code will be assigned a default code of 1. Chargeback Disaster Alerts Resolve customer disputable quickly before they become chargebacks. Merchants who believe they have received an invalidated chargeback under reason code F29 mayor be able to represent the transaction and reverse this chargeback with the right convince evidence. 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. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. The steno description the “Card Not Present. Administrative returns (R02, R03, R04): 3%. Prevented; Recover; Tools. ” Like refers to a claim where the transaction worked. Fraud. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 0. 2. Reason codes are important to help merchants address recurring. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback reason codes and categories specified below. A type 1 excludes note is for used for when two conditions cannot occur together, such as a congenital form versus an acquired form of the same condition. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. About American Express chargeback reason codes. 2 address the specific dispute reason with the documents you send. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 10. Time Frames by Chargeback Type and Reason Code The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. Save fulfillment daily, prevention chargebacks, and improve customer satisfaction. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Chargeback Prevention Alerts Disband customer cases quickly pre they become chargebacks. 6: Credit not. This scenario applies when the arbitration was raised by either the. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Chargebacks911® can help your business manage all aspects of chargeback reason codes, using proprietary technologies and experience. Aforementioned definitive guide includes and chargeback reason codes from each of the four major bill networks. Other Fraud—Card Present Environment. Analyzing chargeback and alert data by dozens of metrics. Save fulfillment costs, prevent chargebacks, and improve customer satisfaction. Check the chargeback reason code. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Chargeback Preclusion Alerts Resolve customer disputes quickly before they become chargebacks. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 1 = EMV-Liability Shift counterfeit. F29: Card Not Present: F30: EMV Counterfeit: M01: Chargeback Authorization: P01: Unassigned Card Number: P03:. Set forth below are the sole chargeback reason codes pursuant to which you may be eligible for Chargeback Protection, subject to all of the terms and conditions contained herein. A type 1 excludes note indicates that the code excluded should never be used at the same time as F29. The shorthand description is “Canceled Recurring Billing. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. F29 Fraudulent Transaction - Card Not Present. This reason code is used when a cardholder claims that they canceled a recurring billing transaction but were still charged. The network plans to reduce response times even further to just 20 days in the near future. Spot these types of chargebacks using. For example, Mastercard has a code which indicates a ‘consumer dispute. F29 - The Cardmember denies participation in a mail order, telephone order, or internet Charge. This category of fraudulent chargebacks is represented with the following reason codes: AMEX – F29 Card Not Present. 4:. What is American Express chargeback reason code F29? American Express chargeback reason user F29 falls under which “Fraud” category. In-Depth Analytics Identify the actual reasons for transaction disputes and solve issues at their source. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. For more details feel free to contact Chargeback Expertz at +1 855-465-4723and get. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 1 Authorisation . 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). Try Shopify free for 3 days, no credit card required. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Once filed, the merchant generally has 20 days to respond to the chargeback. 5. The steno description the “Card Not Present. Chargeback Reason Codes by Network - 2023 Orientation. The merchant processed a telephone, mail, or internet order in which the cardholder claims they didn’t authorize or participate. 3 DUE DATESince 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. FAQ: What is Chargeback. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Check with the issuing banks to determine what time limits may apply to you. American Express chargeback reason codes, much like Discover, bear one-time important disagreement from those from Visa and Mastercard: the exhibiting bank is also the card network. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,US/Canada Chargeback reason code. 4 (1040) (Visa) Card-not-present fraud. It also applies when a customer claims they tried to cancel. . However, it is important to note that this reason code is based on the reason given by the customer to their bank. Definition. Other Ineligible Transactions Under Reason Code 62, Condition 2 . 2. The kursivschrift property are “Card Non Present. 4:. Reason Code North-America: Canada and United States of America; Reason Code:. 10.