Search Visa, Mastercard and Amex reason codes by number, name, or the word your dashboard uses. See what each claims and the evidence that wins it.
13 of 13 codes
The cardholder says they cancelled a recurring charge, or didn’t want it to renew.
A recurring or digital-goods charge was taken after the cardholder cancelled, or after a trial they didn’t mean to continue.
The cardholder says they cancelled recurring billing and were charged anyway.
The cardholder says they never received the goods or services.
Goods or services weren’t provided: never delivered, or not available.
Goods or services weren’t received, or only part of them was.
What arrived didn’t match the listing, or was defective.
A broad cardholder dispute, most often not as described or defective.
The cardholder was promised a refund or credit and never got it.
The cardholder says they didn’t make this online purchase.
The cardholder says they didn’t authorize this online purchase.
The cardholder says they didn’t make this card-not-present purchase.
The cardholder says they were charged twice for the same purchase.
Your processor’s dispute page shows a reason, such as “subscription cancelled” or “fraudulent”. The card network’s own code, like Visa 13.2, is usually in the dispute details or the bank’s notice. Both point to the same playbook, so search either.
For how Shopify’s reasons map to network codes, see Shopify chargeback reasons explained.
Open the guide for the code. Each one lists the evidence that wins, the order to argue it in and a response template. Then use the evidence checklist to gather the records before the due date.
A code the card network assigns to what the cardholder claims, such as cancelled recurring or not received. It determines what evidence the bank expects.
No, but equivalent claims exist on each. Visa 13.2, Mastercard 4841 and Amex C28 are all cancelled-recurring disputes and are answered with the same evidence.
Shopify shows a plain reason on the dispute. The network code is in the dispute details or the bank’s notice. Search by the Shopify reason if you don’t have the code.