chargebacks.ts

export const ChargebackCodes: ChargebackReason[] = [
  {
    code: '10.1',
    reason: 'EMV Liability Shift Counterfeit Fraud',
    description:
      'The cardholder claims a counterfeit chip card was used at a POS system where the transaction was not processed as a chip transaction.',
    fraud: true,
  },
  {
    code: '10.2',
    reason: 'EMV Liability Shift Non-Counterfeit Fraud',
    description:
      'The cardholder claims this activity was fraudulent, but blames the merchant’s EMV terminal (card-present).',
    fraud: true,
  },
  {
    code: '10.3',
    reason: 'Other Fraud: Card-Present Environment / Condition',
    description:
      'A fraudulent transaction was made using the actual credit card, according to the cardholder.',
    fraud: true,
  },
  {
    code: '10.4',
    reason: 'Other Fraud: Card-absent Environment / Condition',
    description:
      'The cardholder claims an unauthorized transaction occurred without the physical card involved.',
    fraud: true,
  },
  {
    code: '10.5',
    reason: 'Visa Fraud Monitoring Program',
    description: 'Visa’s Fraud Monitoring Program flagged the transaction.',
    fraud: true,
  },
  {
    code: '11.1',
    reason: 'Card Recovery Bulletin',
    description:
      'The merchant apparently did not get authorization for the transaction through an account number listed in the Card Recovery Bulletin.',
    fraud: true,
  },
  {
    code: '11.2',
    reason: 'Declined Authorization',
    description:
      'The authorization was declined, but the transaction was processed anyway.',
    fraud: false,
  },
  {
    code: '11.3',
    reason: 'No Authorization',
    description:
      'The transaction was processed without any attempt to gain authorization, or authorization was requested after the fact or for a different amount.',
    fraud: true,
  },
  {
    code: '12.1',
    reason: 'Late Presentment',
    description:
      'The transaction was not sent to Visa within the required time limits.',
    fraud: false,
  },
  {
    code: '12.2',
    reason: 'Incorrect Transaction Code',
    description: 'The wrong transaction code was used.',
    fraud: false,
  },
  {
    code: '12.3',
    reason: 'Incorrect Currency',
    description:
      'The merchant made one or more errors related to the transaction currency.',
    fraud: false,
  },
  {
    code: '12.4',
    reason: 'Incorrect Account Number',
    description:
      'The account number in the authorization does not match the account number used in the transaction.',
    fraud: false,
  },
  {
    code: '12.5',
    reason: 'Incorrect Amount',
    description:
      'The amount in the authorization does not match the amount from the transaction.',
    fraud: false,
  },
  {
    code: '12.6.1',
    reason: 'Duplicate Processing',
    description: 'A single transaction was processed two or more times.',
    fraud: false,
  },
  {
    code: '12.6.2',
    reason: 'Paid by Other Means',
    description: 'A single transaction was processed two or more times.',
    fraud: false,
  },
  {
    code: '12.7',
    reason: 'Invalid Data',
    description:
      'An authorization was obtained using invalid or incorrect data.',
    fraud: false,
  },
  {
    code: '13.1',
    reason: 'Merchandise / Services Not Received',
    description:
      'Cardholder claims goods or services were not received or not received by the agreed upon date.',
    fraud: false,
  },
  {
    code: '13.2',
    reason: 'Canceled Recurring Transaction',
    description:
      'The cardholder claims to have been charged for a canceled recurring transaction',
    fraud: false,
  },
  {
    code: '13.3',
    reason: 'Not as Described or Defective Merchandise / Services',
    description:
      'The cardholder claim that the goods or services were defective or not as described prior to the transaction.',
    fraud: false,
  },
  {
    code: '13.4',
    reason: 'Counterfeit Merchandise',
    description:
      'The merchandise was identified as counterfeit by the owner of the intellectual property, a government agency, or a neutral third-party expert.',
    fraud: false,
  },
  {
    code: '13.5',
    reason: 'Misrepresentation',
    description:
      'The cardholder claims a purchased item or service was misrepresented and alleges false advertising.',
    fraud: false,
  },
  {
    code: '13.6',
    reason: 'Credit Not Processed',
    description: 'The customer claims a credit was due but never processed.',
    fraud: false,
  },
  {
    code: '13.7',
    reason: 'Cancelled Merchandise / Services',
    description:
      'The cardholder claims this activity was fraudulent, but blames the merchant’s EMV terminal (card-present).',
    fraud: false,
  },
  {
    code: '13.8',
    reason: 'Original Credit Transaction Not Accepted',
    description:
      'A voided transaction receipt was not processed (applies to Europe and inter-regional areas only).',
    fraud: false,
  },
  {
    code: '13.9',
    reason: 'Non-Receipt of Cash or Load Transaction Value',
    description:
      'Cardholder did not receive the full cash withdrawal at an ATM.',
    fraud: false,
  },
  {
    code: '4808',
    reason: 'Warning Bulletin File',
    description:
      'Issuer is unable to verify that an authorization code was obtained at the time of the transaction.',
    fraud: false,
  },
  {
    code: '4808',
    reason: 'Authorization-Related Chargeback',
    description: 'The merchant didn’t obtain authorization or got it too late.',
    fraud: true,
  },
  {
    code: '4808',
    reason: 'Account Number Not on File',
    description: 'The issuing bank can’t find an account with the number used.',
    fraud: false,
  },
  {
    code: '4808',
    reason: 'Required Authorization Not Obtained',
    description: 'The merchant failed to request necessary authorization.',
    fraud: true,
  },
  {
    code: '4808',
    reason: 'Expired Chargeback Protection Period',
    description:
      'The transaction was not settled until after its expiration deadline, at which point the cardholder’s account was no longer active/in good standing.',
    fraud: false,
  },
  {
    code: '4808',
    reason: 'Multiple Authorization Requests',
    description:
      'A card-not-present transaction was declined by the issuer but later approved using Stand-In processing or X-Code.',
    fraud: false,
  },
  {
    code: '4808',
    reason: 'Cardholder-Activated Terminal (CAT) 3 Device',
    description:
      'Unauthorized transactions processed at a cardholder-activated terminal (CAT).',
    fraud: true,
  },
  {
    code: '4834',
    reason: 'Point of Interaction Error',
    description: 'A single transaction was processed more than one time.',
    fraud: false,
  },
  {
    code: '4834',
    reason: 'Transaction Amount Differs',
    description:
      'The amount the cardholder was charged doesn’t match what’s on the receipt.',
    fraud: false,
  },
  {
    code: '4834',
    reason: 'Late Presentment',
    description:
      'The transaction was not deposited within 30 days of the date a valid authorization code was obtained.',
    fraud: false,
  },
  {
    code: '4834',
    reason: 'Point-of-Interaction Currency Conversion',
    description:
      'The merchant failed to provide adequate currency information or properly process a credit.',
    fraud: false,
  },
  {
    code: '4834',
    reason: 'Duplication/Paid by Other Means',
    description: 'A single transaction was processed more than one time.',
    fraud: false,
  },
  {
    code: '4834',
    reason: 'ATM Disputes',
    description:
      'The cardholder charges that inaccurate amount of cash was dispensed by an ATM, or that the ATM withdrawal had been debited to the account multiple times.',
    fraud: false,
  },
  {
    code: '4834',
    reason: 'Loss, Theft, or Damages',
    description:
      'The cardholder claims an unauthorized charge for loss, theft, or damage was added to the transaction up front.',
    fraud: false,
  },
  {
    code: '37',
    reason: 'No Cardholder Authorization',
    description:
      'The cardholder claims he or she did not authorize the transaction.',
    fraud: true,
  },
  {
    code: '49',
    reason: 'No Cardholder Authorization',
    description:
      'The cardholder claims he or she did not authorize the transaction.',
    fraud: true,
  },
  {
    code: '4837',
    reason: 'No Cardholder Authorization',
    description:
      'The cardholder claims he or she did not authorize the transaction.',
    fraud: true,
  },
  {
    code: '4849',
    reason: 'Questionable Merchant Activity',
    description:
      'This transaction violates Mastercard’s eslint-local-rules or the merchant was on a Mastercard security list.',
    fraud: false,
  },
  {
    code: '4870',
    reason: 'Chip Liability Shift',
    description:
      'A fraudulent transaction was processed using a counterfeit EMV chip card, but the chip was not used, which allowed fraud.',
    fraud: true,
  },
  {
    code: '4871',
    reason:
      'Chip / PIN Liability Shift--Lost / Stolen / Never Received Issue (NRI) Fraud',
    description:
      'A fraudulent transaction was processed using a lost, stolen, or never received EMV chip card, but the chip was not used, which allowed the fraud.',
    fraud: true,
  },
  {
    code: '53',
    reason: 'Cardholder Dispute of a Recurring Transaction',
    description:
      'Cardholder claims the merchant continued to bill the card after a recurring transaction was cancelled, or without explicit consent from the cardholder.',
    fraud: false,
  },
  // {
  //   code: '4853',
  //   reason: 'Cardholder Dispute of a Recurring Transaction',
  //   description:
  //     'Cardholder claims the merchant continued to bill the card after a recurring transaction was cancelled, or without explicit consent from the cardholder.',
  //   fraud: false,
  // },
  // {
  //   code: '4853',
  //   reason: 'Credit Not Processed',
  //   description: 'The cardholder did not receive an expected credit.',
  //   fraud: false,
  // },
  {
    code: '4853',
    reason: 'Goods/Services not as Described or Defective',
    description:
      'The cardholder claims the merchandise received (or service provided) differs greatly from the description provided at the time of purchase.',
    fraud: false,
  },
  {
    code: '4850',
    reason: 'Installment Billing Dispute',
    description:
      'The cardholder claims an installment charge made to their account was incorrect.',
    fraud: false,
  },
  {
    code: '4854',
    reason: 'Cardholder Dispute Not Classified Elsewhere (US)',
    description:
      'The cardholder has made an unsuccessful good-faith effort to resolve a dispute with the merchant.',
    fraud: false,
  },
  {
    code: '4807',
    reason: 'Warning Bulletin File',
    description:
      'Issuer is unable to verify that an authorization code was obtained at the time of the transaction.',
    fraud: false,
  },
  {
    code: '4812',
    reason: 'Account Number Not on File',
    description: 'The issuing bank can’t find an account with the number used.',
    fraud: false,
  },
  {
    code: '4859',
    reason: 'No Show / Addendum / ATM Dispute',
    description:
      'The cardholder claims to have been charged a no-show fee when they cancelled with a hotel participating in the Mastercard Guaranteed Reservation Service.',
    fraud: false,
  },
  {
    code: '4860',
    reason: 'Credit Not Processed',
    description: 'The cardholder did not receive an expected a credit.',
    fraud: false,
  },
  {
    code: 'A01',
    reason: 'Charge amount exceeds authorization amount',
    description:
      'The amount of the authorization approval was less than the amount of the charge submitted by the merchant.',
    fraud: false,
  },
  {
    code: 'A02',
    reason: 'No valid authorization',
    description:
      'The charge submitted by the merchant was either declined or the card was expired.',
    fraud: true,
  },
  {
    code: 'A08',
    reason: 'Authorization approval expired',
    description:
      'Transaction submission was made after the authorization approval had expired.',
    fraud: false,
  },
  {
    code: 'C02',
    reason: 'Credit not processed',
    description:
      'American Express has not received an expected credit (or partial credit) from the merchant.',
    fraud: false,
  },
  {
    code: 'C04',
    reason: 'Goods / services returned or refused',
    description:
      'The cardholder refused delivery of goods or services or returned merchandise, but a credit was not processed.',
    fraud: false,
  },
  {
    code: 'C05',
    reason: 'Goods / services canceled',
    description:
      'The cardholder claims that the order for goods or services was canceled.',
    fraud: false,
  },
  {
    code: 'C08',
    reason: 'Goods / Services Not Received or Only Partially Received',
    description:
      'The cardholder claims to have not received (or only partially received) the goods or services ordered.',
    fraud: false,
  },
  {
    code: 'C14',
    reason: 'Paid by Other Means',
    description:
      'Cardholder was charged for a transaction that was paid using an alternate form of payment.',
    fraud: false,
  },
  {
    code: 'C18',
    reason: 'No Show or CARDeposit Canceled',
    description:
      'The cardholder claims a lodging reservation was canceled, or an expected credit for a CARDeposit charge was not received.',
    fraud: false,
  },
  {
    code: 'C28',
    reason: 'Canceled Recurring Billing',
    description:
      'The cardholder claims to have been charged for a canceled recurring transaction.',
    fraud: false,
  },
  {
    code: 'C31',
    reason: 'Goods / Services Not as Described',
    description:
      'The cardholder claim that the goods or services were defective or not as described prior to the transaction.',
    fraud: false,
  },
  {
    code: 'C32',
    reason: 'Goods / Services Damaged or Defective',
    description:
      'The cardholder claims to have received damaged or defective merchandise or services.',
    fraud: false,
  },
  {
    code: 'M10',
    reason: 'Vehicle Rental - Capital Damages',
    description:
      'The cardholder claims to have been incorrectly billed for capital damages to a rented vehicle.',
    fraud: false,
  },
  {
    code: 'M49',
    reason: 'Vehicle Rental - Theft or Loss of Use',
    description:
      'The cardholder claims to have been incorrectly charged for theft or loss of use of a rental vehicle.',
    fraud: false,
  },
  {
    code: 'FR2',
    reason: 'Fraud Full Recourse Program',
    description:
      'American Express Fraud Full Recourse Program flagged the transaction.',
    fraud: false,
  },
  {
    code: 'FR4',
    reason: 'Immediate Chargeback Program',
    description:
      'This is a program that allows American Express to process any dispute immediately as cardholder files a chargeback for any reason than actual fraud.',
    fraud: false,
  },
  {
    code: 'FR6',
    reason: 'Partial Immediate Chargeback Program',
    description:
      'The cardholder has disputed the charge and the merchant has been placed in the Partial Immediate Chargeback Program by American Express.',
    fraud: false,
  },
  {
    code: 'F10',
    reason: 'Missing Imprint',
    description:
      'Cardholder did not participate in a purchase and was not provided a copy of the card imprint (card-present environments only).',
    fraud: false,
  },
  {
    code: 'F14',
    reason: 'Missing Signature',
    description:
      'The cardholder claims to not have been involved in a transaction that was processed (card-present environments only).',
    fraud: false,
  },
  {
    code: 'F24',
    reason: 'No Cardmember Authorization',
    description:
      'The cardholder denies participation in the charge submitted by the merchant, who cannot prove otherwise.',
    fraud: true,
  },
  {
    code: 'F29',
    reason: 'Card Not Present',
    description:
      'The cardholder claims an unauthorized transaction occurred without the physical card involved.',
    fraud: true,
  },
  {
    code: 'F30',
    reason: 'EMV Counterfeit',
    description:
      'The cardholder denies participation in a situation where a counterfeit chip card was used at a POS system, but the transaction was not processed as a chip transaction.',
    fraud: true,
  },
  {
    code: 'F31',
    reason: 'EMV List / Stolen / Non-received',
    description:
      'A fraudulent transaction was made using the actual credit card, according to the cardholder.',
    fraud: true,
  },
  {
    code: 'R03',
    reason: 'Insufficient Reply',
    description:
      'Complete support and/or documentation were requested but not provided.',
    fraud: false,
  },
  {
    code: 'R13',
    reason: 'No reply',
    description:
      'American Express did not receive a response to an inquiry within the specified timeframe.',
    fraud: false,
  },
  {
    code: 'M01',
    reason: 'Chargeback Authorization',
    description:
      'The merchant authorized American Express to process a chargeback for the charge.',
    fraud: false,
  },
  {
    code: 'P01',
    reason: 'Unassigned Card Number',
    description:
      'The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder.',
    fraud: false,
  },
  {
    code: 'P03',
    reason: 'Credit Processed as Charge',
    description:
      'The cardholder was debited for a transaction that should have been a credit.',
    fraud: false,
  },
  {
    code: 'P04',
    reason: 'Charge Processed as Credit',
    description:
      'The cardholder was credited for a transaction that should have been a debit.',
    fraud: false,
  },
  {
    code: 'P05',
    reason: 'Incorrect Charge Amount',
    description:
      'The amount in the authorization does not match the amount from the transaction.',
    fraud: false,
  },
  {
    code: 'P07',
    reason: 'Late Submission',
    description: 'The charge was not submitted within the required timeframe.',
    fraud: false,
  },
  {
    code: 'P08',
    reason: 'Duplicate Charge',
    description: 'A single transaction processed two or more times.',
    fraud: false,
  },
  {
    code: 'P22',
    reason: 'Non-Matching Card Number',
    description:
      'The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder.',
    fraud: false,
  },
  {
    code: 'P23',
    reason: 'Currency Discrepancy',
    description:
      'The merchant made one or more errors related to the transaction currency.',
    fraud: false,
  },
  {
    code: 'AA',
    reason: 'Cardholder Does Not Recognize',
    description:
      'The cardholder claims that he or she does not recognize the transaction appearing on the cardholder statement.',
    fraud: true,
  },
  {
    code: 'AP',
    reason: 'Canceled Recurring Transaction',
    description:
      'The cardholder claims to have been charged for a canceled recurring transaction.',
    fraud: false,
  },
  {
    code: 'AW',
    reason: 'Altered Amount',
    description:
      'The amount in the authorization does not match the amount from the transaction (includes cash advance transactions).',
    fraud: false,
  },
  {
    code: 'CD',
    reason: 'Credit Posted as Card Sale',
    description:
      'The cardholder was debited for a transaction that should have been a credit.',
    fraud: false,
  },
  {
    code: 'DP',
    reason: 'Duplicate Processing',
    description: 'A single transaction processed two or more times.',
    fraud: false,
  },
  {
    code: 'IC',
    reason: 'Illegible Sales Data',
    description: 'A requested sales receipt was provided but was not legible.',
    fraud: false,
  },
  {
    code: 'NF',
    reason: 'Non-Receipt of Cash from ATM',
    description:
      'Cardholder did not receive the full cash withdrawal at an ATM.',
    fraud: false,
  },
  {
    code: 'PM',
    reason: 'Paid by Other Means',
    description:
      'Cardholder was charged for a transaction that was processed using an alternate form of payment.',
    fraud: false,
  },
  {
    code: 'RG',
    reason: 'Non-Receipt of Goods or Services',
    description: 'Non-Receipt of Goods or Services',
    fraud: false,
  },
  {
    code: 'RM',
    reason: 'Quality Discrepancy',
    description:
      'The cardholder claims that the goods or services were defective or not as described prior to the transaction.',
    fraud: false,
  },
  {
    code: 'RN2',
    reason: 'Credit Not Received',
    description:
      'The cardholder refused delivery of goods or services or returned merchandise and credit was not processed.',
    fraud: false,
  },
  {
    code: 'AT',
    reason: 'Authorization Non-compliance',
    description:
      'The transaction was processed without a positive authorization response and/or contains an authorization response beyond the cards expiration date.',
    fraud: true,
  },
  {
    code: 'DA',
    reason: 'Declined Authorization',
    description: 'A declined transaction is presented for processing.',
    fraud: false,
  },
  {
    code: 'EX',
    reason: 'Expired Card',
    description:
      'The cardholder challenges the validity of a transaction because the card had expired at the time.',
    fraud: false,
  },
  {
    code: 'NA',
    reason: 'No Authorization',
    description: 'The transaction was processed without authorization.',
    fraud: true,
  },
  {
    code: 'IN',
    reason: 'Invalid Card Number',
    description:
      'The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder.',
    fraud: false,
  },
  {
    code: 'LP',
    reason: 'Late Presentment',
    description: 'The transaction was completed past the required time limits.',
    fraud: false,
  },
  {
    code: 'NC',
    reason: 'Not Classified',
    description:
      'Any claims of invalid transactions which do not fall under any other classification.',
    fraud: false,
  },
  {
    code: 'UA01',
    reason: 'Fraud / Card Present Environment',
    description:
      'A fraudulent transaction was made using the actual credit card, according to the cardholder.',
    fraud: true,
  },
  {
    code: 'UA02',
    reason: 'Fraud / Card-Not-Present Environment',
    description:
      'Cardholder claims a fraudulent transaction was made in a card-absence environment.',
    fraud: true,
  },
  {
    code: 'UA05',
    reason: 'Fraud / Counterfeit Chip Transaction',
    description:
      'The cardholder claims to not have been involved in a transaction that was processed using an EMV/chip terminal.',
    fraud: true,
  },
  {
    code: 'UA06',
    reason: 'Fraud / Chip-and-Pin Transaction',
    description:
      'The cardholder claims to not have been involved in a transaction that was processed using a hybrid card at a stripe-only terminal of a chip-capable terminal not equipped with a PIN pad.',
    fraud: true,
  },
  {
    code: 'UA10',
    reason: 'Request Transaction Receipt (swiped card transactions)',
    description:
      'Issuer requests documents for a transaction the cardholder claims was fraudulent (card-present.)',
    fraud: true,
  },
  {
    code: 'UA11',
    reason: 'Cardholder claims fraud (swiped transaction, no signature)',
    description:
      'The cardholder claims this activity was fraudulent (card-present).',
    fraud: true,
  },
];