Easy Pay Direct Chargeback Reason Codes | Easy Pay Direct
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Easy Pay Direct Chargeback Reason Codes
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Chargeback Reason Codes: What’s Causing my Chargebacks?

We’ve listed the chargeback reason codes by credit card company.

 

American Express

  • Fraud / No Authorization 52.49%
    • Card Not Present (28.68%)
    • Unauthorized (13.88%)
    • Fraud (2.90%)
    • No/Declined Auth (1.08%)

     

  • Products / Services 15.92%
    • Goods/Services Not Received (8.67%)
    • Not as Described / Defective (6.21%)
    • Credit Not Processed (1.04%)

     

  • Other 12.02%
    • Technical (4.20%)
    • Other (3.31%)
    • Duplicate (1.23%)
    • Additional Info Required (0.82%)
    • Incorrect Data (0.15%)

     

  • Liability Shift 11.27%
    • Transfer Counterfeit Liability (11.27%)

     

  • Cancel Recurring Billing 8.30%
    • Cancellation: Recurring Goods/ Service (5.21%)
    • Cancelled Recurring Billing (2.23%)

     

  • TOP REASON CODE
    • Chargeback Reason Code F29: Card Not Present (28.68%)

Discover

  • Fraud / No Authorization 49.29%
    • Fraud (12.55%)
      • Card Not Present (7.50%)
      • Challenged Validity (4.01%)
    • No/Declined Auth (36.74%)
      • Declined Auth (14.93%)
      • Unauthorized (8.43%)
      • Challenged Validity (5.82%)

 

  • Other 31.03%
    • Additional Info Required (14.65%)
    • Other (10.62%)
    • Unknown (3.74%)
    • Technical (1.70%)
    • Duplicate (0.32%)

 

  • Products / Services 13.97%
    • Credit Not Processed (6.58%)
    • Goods/Services Not Received (5.52%)
    • Not as Described / Defective (1.87%)

 

  • Cancel Recurring Billing 3.23%
    • Challenge of Automatic Payments (2.93%)
    • Cancelled Recurring Billing (0.29%)

 

  • Liability Shift 2.48%
    • Chip Card Counterfeit Transaction (2.48%)

 

  • TOP REASON CODE
    • Retrieval Reason Code 6005: Transaction Documentation Request Due to Cardholder Dispute (14.65%)

 

Mastercard

  • Fraud / No Authorization 51.61%
    • Fraud (7.62%)
      • Card Not Present (7.50%)
      • Challenged Validity (4.01%)
    • No/Declined Auth (43.99%)
      • Unauthorized (43.36%)
      • Declined Auth (0.54%)

 

  • Cancel Recurring Billing 25.30%
    • Cancelled Recurring Billing (25.30%)

 

  • Products / Services 19.97%
    • Not as Described / Defective (7.00%)
    • Credit Not Processed (6.58%)
    • Goods/Services Not Received (6.44%)

 

  • Liability Shift 1.87%
    • Chip Card Counterfeit Transaction (1.87%)

 

  • Other 1.24%
    • Incorrect Data (0.54%)
    • Other (0.36%)
    • Duplicate (0.20%)
    • Unknown (0.08%)
    • Technical (0.04%)

 

  • TOP REASON CODE
    • Chargeback Reason Code 4837: No Cardholder Authorization (43.36%)

 

Visa

  • Fraud / No Authorization 55.25%
    • Fraud (54.72%)
      • Card Not Present (44.17%)
      • Unrecognized Charge (5.11%)
      • Card Present (3.79%)
    • No/Declined Auth (0.53%)
      • No Auth Obtained (0.53%)

 

  • Products / Services 22.05%
    • Credit Not Processed (11.59%)
    • Goods/Services Not Received (5.75%)
    • Not as Described / Defective (4.71%)

 

  • Cancel Recurring Billing 17.38%
    • Cancelled Recurring Billing (17.38%)

 

  • Liability Shift 3.46%
    • Chip Card Counterfeit Transaction (3.46%)

 

  • Other 1.86%
    • Technical (0.66%)
    • Duplicate (0.54%)
    • Incorrect Data (0.23%)
    • Other (0.21%)
    • Additional Info Required (0.18%)
    • Unknown (0.03%)

 

  • TOP REASON CODE
    • Chargeback Reason Code 83: Fraudulent Transaction – Card Not Present (44.17%)
  • Wardee Harmon Wardee Harmon

    I’m so glad I found Easy Pay Direct! Customer service and merchant support are absolutely amazing and you’ve made it so easy for me to do automatic load balancing with multiple merchant accounts. I couldn’t be happier about switching to Easy Pay Direct!”

    Traditional Cooking School
    Wardee Harmon
  • Steven Poulos Steven Poulos

    The Easy Pay Direct team is great and easy to work with!”

    North Scottsdale Family Dentistry
    Steven Poulos
  • Mike Wreggit Mike Wreggit

    I’m very happy with the service I’ve received with Easy Pay Direct. They’ve been great. I presented them with the challenge of getting my merchant account set up in about a week before my first home show. They pulled it off with flying colors. They even overnighted my card slider to my hotel so I had it at the show. I sold a commission from the show and I was able to run the charge without a hitch. Ted was a great help throughout. I highly recommend Easy Pay Direct.”

    PencilArtPrints.com
    Mike Wreggit
  • Isabelle Mercier-Turcotte Isabelle Mercier-Turcotte

    THANK YOU, THANK YOU, Easy Pay Direct! I didn’t know how difficult it was to set up a merchant account, and you guys have made that process so easy for us. I call you the lightning bolt in Customer Service because you are so fast! You have been a pleasure to work with.”

    Build to Rock by LeapZone
    Isabelle Mercier-Turcotte
  • Lucy Whittington Lucy Whittington

    I tried Easy Pay Direct and have received such a high level of attention. I needed a ‘real person’, so I called and spoke to Gordon who has been amazing. I now have a merchant account and payment gateway. Easy! I’ll be recommending you to all my clients too.”

    BeingaBusinessCelebrity.com
    Lucy Whittington
  • Peter Conti Peter Conti

    Easy Pay Direct simplified the application process and was able to get us connected with three or four different merchant accounts all within a matter of just a few short weeks. I would highly recommend Easy Pay Direct for anyone who’s looking for a merchant account provider!”

    Mentor Financial Group
    Peter Conti
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