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An issuer decline code is provided by an issuing bank to a merchant, indicating the rejection of a credit card transaction. This means that the issuer has halted or blocked the transaction. The specific code gives a brief reason for why the issuer turned down the purchase. There are many reasons for an issuer to decline a transaction. Common reasons include suspected fraud and insufficient funds i…

Discover chargeback reason codes are specific numerical identifiers that help define the reasons for a cardholder’s dispute over a transaction. These codes categorize Discover card chargebacks into various types, such as fraudulent transactions, service problems, or processing errors. By doing so, they facilitate efficient dispute resolution for merchants and cardholders alike. Each reason code co…

American Express chargeback reason codes are a collection of identifiers used to classify different chargeback situations, reflecting the disputes raised by cardholders against sellers. These codes are vital for organizing disputes and determining the necessary next steps. Each chargeback is assigned a unique 3-digit alphanumeric code by Amex, pinpointing the reason for the dispute. Each major car…

Mastercard chargeback reason codes consist of a series of identifiers utilized to categorize various chargeback circumstances, which represent the disagreements raised by cardholders against merchants. These codes play a crucial role in organizing disputes and guiding the subsequent actions required. Each chargeback is linked to a distinctive 4-digit alphanumeric code provided by the cardholder’s …

Visa chargeback reason codes are a set of codes used by Visa to classify various reasons for chargebacks, which are disputes filed by cardholders against merchants. These reason codes help in categorizing the dispute and determining the appropriate course of action. Each chargeback is associated with a unique 2-to-4-digit alphanumeric reason code issued by the cardholder’s bank, detailing the basi…

The rise of online shopping has made eCommerce fraud an increasingly prevalent and sophisticated threat, necessitating advanced security measures to protect both merchants and customers. But, what exactly are those threats? What, exactly, are we talking about when we talk about “eCommerce fraud?” eCommerce fraud refers to deceptive activities that occur during online transactions. The intent is to…