4841: Canceled Recurring Transaction 4842: Late Presentment 4846: Correct Transaction Currency Code Not Provided 4849: Questionable Merchant ActivitySubsequent message reason code 4841 chargeback time. The aim of CE 3. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Post Views: 2,142. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Some chargebacks are unavoidable, but with the right chargeback reason code knowledge and expertise, they can be disputed effectively. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 1. ”. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. Each card issuer follows their own standards for defining reason type, code and its format. At the same time, the average chargeback costs $191, with merchants bearing more than two-thirds of the financial impact. ). Basically the Chargeback time frame include. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. pdf), Text File (. Chargebacks from all three categories can show . Most chargebacks begin with the cardholder contacting their bank to dispute a charge on their account. 4841: Canceled Recurring or Digital Goods Transaction. . Chargebacks are something every business wants to avoid, as they can. Some credit card companies also include a short phrase describing the code and chargeback. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. ” This reason code is now obsolete, but was used to cover disputes related to recurring billings or digital goods. 0: Updated report version from 1. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 1 4863: Cardholder does not recognize. Find out the hidden impact of chargeback reason codes. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. If the order was genuinely not as described, then the cardholder has a case. 4841. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. When one cardholder initiates a dispute with their issuing. The shorthand description is “Transaction Amount Differs. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. 4. 4547. The way you manage chargebacks depends on your account setup. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. American Express chargeback reason code C42. 9808 info@chargebacks911. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Correct Transaction Currency Code Not Provided: Point-of-Interaction Error: 4850: Installment Billing Dispute: Point-of-Interaction Error: 4999: Domestic Chargeback Dispute (Europe Region Only) Point-of-Interaction Error: 4853: Cardholder Dispute: Cardholder Disputes: 4841: Canceled Recurring or Digital Goods Transactions: Cardholder Disputes: 4854 Visa assesses the following fines, as specified in the table below, to a U. F01. It depends on the chargeback reason code associated with the dispute. Inform your acquirer of the date that the credit was issued. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Chargeback prevention strategies vary based on the reason for the. “Visa has 28 different reason codes. Nothing immediately identifies a chargeback as being the result of first-party misuse. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Look below the surface. Chargeback Reason Codes for MasterCard. PCI DSS v3. When you post the. 4841: Canceled Recurring or Digital Goods Transactions: 4853: Cardholder Dispute: 4854: Cardholder Dispute (U. MasterCard time limits vary depending on the applicable reason code. Administrative returns (R02, R03, R04): 3%. Managing Reason Code 41 chargebacks. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. This code collects all the. 120 Days. 4 Message Reason Code 4841—Cancelled Recurring Transactionfor Maestro. Check the chargeback reason code. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Products. 76 . 4853: Services not. 4855 – Goods or Services Not Provided. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. THE LAG It can take anywhere from 15 days to 6 months for a. You can learn more about each one by visiting the Mastercard Chargeback Guide. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. “It’s a lot tougher with Mastercard because they only use four main codes. 4834 - Duplicate Processing. It. Reason Code. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Specify the invoice date and net due date that you want the system to assign to chargebacks. Mastercard Reason codes fall under four categories. The cardholder claims they were charged multiple times for a single transaction. 4. Consumer Disputes. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. ise not received Cancelled recurring transaction Goods not as described/defective Services not: provided/Merchand. Clerical MasterCard uses four main categories to organize its reason codes: Authorization, Cardholder Disputes, Fraud, and Point-of-Interaction Errors. S. . 496 Invalid Chargeback. Region Only) 4855: Goods or Services Not Provided. It gets worse. Include any terms relevant to the transaction, including return, cancellation and. These codes are : 4855, 4841, 4850, 4863, 4837, etc. 0 is to make the chargeback process more efficient, transparent, and fair. Each chargeback comes with a reason code indicating why a transaction is being queried. Every purchase process should time out after a specific period of inactivity. 4808. ’chargeback: The buyer filed a chargeback with the credit card issuer. MasterCard time limits vary depending on the applicable reason code. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Download PDF . 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Cancelled Recurring Transaction. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Step 1: Identify the Source. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. Terms and conditions. Description. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Our research suggests that friendly fraud will represent 61% of all chargebacks by 2023. 4807 – Warning Bulletin File. chargeback. Post Views: 841. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. In most cases, the bank chooses a course of action based on information the cardholder provides. 7: Defective goods and services: C32: RM: 13. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. “Late Presentment” is a reason code description for three of the four card brands (reason code 12. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. MasterCard uses reason code 4842 for late presentment chargebacks if the cardholder’s account is permanently closed and the acquirer presents transaction after one of the predetermined time limits. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Discover: Reason Code 4755 Non-receipt of goods or services. GraphQL Docs & Tools. MasterCard: Reason Code 4859 Services not rendered. 60 due to merchandise, fees, overhead, and other sources of loss. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. RECOVER YOUR LOST REVENUE RECOVER YOUR LOST REVENUE PAGE 4 REASON CODES THE IMMEDIATE COST OF THE CHARGEBACK In addition to losing the revenue from the sale and the cost of the product, fees charged by the issuing bank can be as high as $125 per chargeback. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. Company. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Mastercard Chargeback Reason Code 70: Chip Liability Shift. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. 497 Intra-European Message Reason Code 4841-Canceled Recurring or Digital Goods Transactions. . List of Chargeback Reason Codes. . 4859 – No Show/Addendum/ATM Dispute. 4841. A chargeback happens when a customer requests for a transaction to be. Below is a list of Mastercard chargeback codes used in eCommerce. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Chargeback Reason Codes Page 2 of 5. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,M10 Vehicle Rental – Capital Damages. Chargeback Reason Codes. Discover chargeback reason code 7030. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 2. Following is the list of Chargeback Reason Codes used by MasterCard: MasterCard Chargeback Reason Codes Reason Code: Category: Description:. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. See full list on chargebackgurus. 120 Days. The newer system is designed to. UA02 Fraud – Card Not Present Transaction. This situation is represented by Visa reason code 41, MasterCard reason code 4841, American Express reason code 4544,. Chargebacks were introduced as a form of consumer protection against. 120 Days. ”. Currency conversion not allowed. Reason Code Description; 10. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. 1 EMV Liability Shift 10. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. Chargeback Reason Codes 41 and 4841 may be caused by one of the following actions: The cardholder: Did not authorize the charge. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Time Limit in Calendar Days. Related Papers. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Information on proper voice authorization procedures may be needed for ‘referral’ responses. These codes are given by the card issuer at the point of time that the customer disputes a given transaction. Let us now get information about the basic explanation about MasterCard Chargeback Reason Codes. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Region Only. France saw a drop of roughly 50% during the same period. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. ” This code indicates that a counterfeit chip-and-pin card was used to make a purchase from a merchant who didn't follow the proper procedure for chip-and-pin. Values are: Blank: Use the receipt G/L date. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Chargebacks are the result of a customer questioning or disputing a transaction with their issuing bank. Last updated: October 15, 2019 . Total views 100+ Dr. Check with the issuing banks to determine what time limits may apply to you. Unauthorized returns (R05, R07, R10, R29, R51): 0. Reason Code 53: Not as Described or Defective Merchandise. Reason code 4841 - Canceled Recurring Transaction. It will be incorporated into code 4853. 3 is the less common version for card-present transactions. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. 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 is. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 4841 – Canceled Recurring or Digital Goods Transactions; 4854 – Cardholder Dispute—Not. Reason Codes: 22 / 23 / 32 / 35. The management of chargeback is complex and difficult, but using management efforts, it may be reduced. ”. Braintree Support Articles. The following chargeback reason codes are related to EMV: Visa: 10. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 2 Added chapter providing information about the DiscoverEthoca alerts can prevent chargebacks before they hit your bank account. Mastercard Reason codes fall under four categories. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. Data Integrity Monitoring Program. Mastercard. 7: Defective goods and services: C32: RM: 13. Spot these types of chargebacks using the below reason codes. Technical. . . 4853 – Cardholder Dispute – Goods or Services Not Provided. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. In theory, reason codes help merchants understand why customers dispute purchases. As a merchant, you face the brunt of chargeback losses. chargeback message reason code 4841 in 6. MasterCard 4841 Cancelled Recurring Transaction<br /> MasterCard 4842 Late Presentment<br /> MasterCard 4846<br />. Chargeback reason codes. Chargeback Guide. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. The CB Reason represents the default reason for marking the transaction as a chargeback, but this default value can be changed. 3: Goods or services were not received: C08: RG: 4855: 13. 10300 49th St N #427, Clearwater FL 33762, USA +1 855-465. Time Limit. 4807 – Warning Bulletin File. In that way, winning one dispute may help prevent the next chargeback to come after it. Protect stored cardholder data. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. . Acquirer Use of Message Reason Code 7623. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Following the prompts. So don’t spend another second worrying about chargebacks. But cardholders and merchants have different time limits. ise not. Visa. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective MerchandiseChargeback Reason Code. Cancelled: Recurring . A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. 26% - the number of chargebacks that result from undelivered orders. 4855. Read on for the complete guide to dealing with chargebacks. The following message reason codes designate chargebacks resulting from issues related to customer disputes: Response Time Frame. 4841 – Cancelled Recurring or Digital Goods Transactions. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Mastercard chargeback reason code 4841 falls under the “Cardholder Disputes” category. Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. MasterCard offers longer response from merchants, with up to 45 days to respond. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. . If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Canceled Recurring or Digital Goods Transactions. Duplicate Processing. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Issuers are currently allowed to use reason code 4841, however, this code will soon be eliminated. 1 Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Fine Period - month 2 or 3. The reason codes are grouped into several broad. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. 4854. It indicated that the transaction amount wasn't what the cardholder agreed to. A smarter, simpler way to stop fraud. Fraud, non-face-to-face environments. MASTERCARD 4841 Canceled Recurring Transaction Cancelled/Returned by Cardholder NO YES. Be sure you understand the cardholder’s claim. Mastercard chargeback reason code 4846 falls under the “Point-of-Interaction Error” category. . Mastercard. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Specify the default reason code that you want the system to assign when you enter a chargeback amount. 4. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. The reason code assigned helps to identify the evidence the Merchant needs to show as proof that the transaction was valid. By understanding the root cause of chargebacks, merchants can strategically refine policies and approaches to reduce chargeback activity. Chargeback Reason Codes Reason code are the first key to understanding the root causes . 4841: Cancelled Recurring Transaction: 4834: Loss, Theft, or Damages: 4854: Cardholder Dispute – Not Elsewhere Classified (U. Typical chargeback reason codes are: DA: Disputed amounts. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Discover. 3. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . 4 Fraud – Card-Absent Environment. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Each chargeback is disputed by a specific reason code. 3. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. 4. 4841: Canceled Recurring or Digital Goods Transactions : 4854: Cardholder Dispute—Not Elsewhere Classified (U. Reference these when rebutting cardholder disputes at your small business. Values are: Blank: Use the draft G/L date. The network hasn't wholly disallowed some old codes. 4855 – Goods or Services Not Provided. United States. Display the total transaction amount for all pending purchases and obtain cardholder confirmation. The incorrect amount being charged. reason_description: string. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. Cardholder Dispute — Defective Merchandise / Not as Described. Mastercard Chargeback Reason Codes Demystified. Or fill in the chargeback form because it seems easier than contacting the merchant directly. For example, some reason codes offer cardholders over a year to file. Different card networks have different reason code systems. If a criminal manages to defeat the technology and complete an online purchase, Mastercard will shift liability away from the merchant and onto the issuer. This will be referenced in the chargeback notice you received. 1/2/2020. Get your finish guide on Mastercard reason codes, including all the detailed data, chargeback time limits, and other important information you need. Having a Lax Attitude Toward Industry Rules & Regulations. Claim Adjustment Reason Codes - All . Thus, the easiest way to prevent chargeback reason code 75 from being. Reason Code 02. Reason code 4841 - Canceled Recurring Transaction Merchant Should Demonstrate: That cardholder did not cancel, or canceled after the transaction date. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. for chargeback reason code 4863 (Cardholder Does Not Recognize). When a merchant sees this reason code, it means that they presented a transaction to the cardholder’s issuing bank after the deadline for doing so. Documentation must be a direct result of cardholder communication. Chargeback reason codes don’t always tell the full story. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Mastercard. Basically a Stop Payment on a recurring debit card transaction instead of using the chargeback reason code 4841. A reason code is how banks categorize the reason for a chargeback. Looking for Mastercard chargeback and dispute reason codes? Check this database—Midigator has tips to prevent & fight chargebacks based on reason codes. Vantage HouseStep 1: The cardholder disputes a charge. Visa Chargeback Reason Codes. . chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. This chargeback may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That the Airline cancelled the. Proof you have already refunded the transaction and credited the cardholder’s account. 4834 - Duplicate Processing. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. 3. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. Time Limit. Chargebacks with the following reason codes are requested due to fraudulent activity. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. But friendly fraud is much more ambiguous. Cost. 3: Goods or services were not received: C08: RG: 4855: 13. . Not only do you need to know how long the timeline is, but you also need to know when the clock. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Mastercard. 3: Goods or services were not as described: C31: RM: 13. Click on the Chargeback Reason Code drop-down menu, the user can change the. Chargeback reason codes; Chargeback Reason Codes. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. 4 Section . If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. 495 Chargeback Remedied. For example, Mastercard has a code which indicates a ‘consumer dispute. Merchants also leave themselves open to friendly fraud. PratikZanke. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 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. 497 Proper Use of Intra-European Message. 4807 – Warning Bulletin File. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. 4841 – Cancelled Recurring or Digital Goods. 4841: Cancelled/Returned by Cardholder: Canceled Recurring Transaction: 4842: Processing Error: Late Presentment: 4846:Chargeback message reason code 4853 is used to generate a cardholder dispute chargeback. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. underlying your chargeback. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. 4846. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect.