4870: EMV Liability Shift. M01 Chargeback Authorization. . First Chargeback failed: Reason Code 4870 not allowed for Chip to Chip Transactions under CLS: 100001: 400: INVALID_REQUEST: First Chargeback failed:. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 4870: EMV Chips Liability Shift 4871: EMV Chip/PIN Liability Shift:. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Visa chargeback reason code 75 is implemented when there is a transaction listed in billing statement and customer don’t. EMV LAIBILITY SHIFT- Counterfeit . Shopify Payments Chargeback Reason Code #5: Product Not Delivered. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. Step 1: Identify the Source. This could be due to a delay in processing the credit. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. pdf), Text File (. For example, Mastercard has a code which indicates a ‘consumer dispute. The tickets were held at the box office, and no signature, swipe or imprint. . Let’s. 4870: Chip Liability Shift:. In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with several. Documentation must be a direct result of cardholder communication. Time and Labor. . 4871. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 4. Region Only) 4855 Goods or Services Not Provided. Authorization. The<br /> transaction amount may be charged back one time by the issuer, either as<br /> a full chargeback amount, a partial chargeback amount, or multiple partial<br. Visa Chargeback Reason Code 10. The cardholder claims either that the merchandise was never. Reason code 83 represents a chargeback categorized as. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. To better be prepared for what the future might bring, we try to predict how hacking tools might evolve. pdf from BIO 101 at Collège April-Fortier. Here are some steps you can take to handle chargeback requests: 1. Only an issuer can initiate the chargeback process. In the case of friendly fraud, that reason could be completely invalid and. The chargeback reason code. 26 Chapter 1: General Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift ; How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. One catch is that CE3. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. The sales receipt and/or date and amount of the authorization if other than the transaction date. Cirrus), Message Reason Codes, Message Reason Code 4870—Chip Liability Shift Summary of Changes, 20 November 2017. . Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Reason codes. These numeric codes are varied by card network but serve the same purpose. Technical. Chargeback Reason Code. If you do choose to dispute these chargebacks, you are putting yourself at risk of incurring additional fees: Reason code. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to. . • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. If the customer’s story matches. Chargeback Guide (PDF) - MasterCard. Overview of Chargeback Reason Codes : Each transaction or deal has a unique receipt no. Either the acquiring or issuing bank could initiate the. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. ; Resources. Code 4808 refers to authorization-related chargebacks. The PCI-DSS compliance requirements are extremely detailed, but here’s. txt) or read book online for free. MCOM – Representment fixes. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. 2: EMV Liability Shift Non-counterfeit Fraud: 10. . Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Cyber-criminals have benefited from on-line banking (OB), regardless of the extensive research on financial cyber-security. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. 4:. FRAUD 101. By entering your email, you agree to receive marketing emails from Shopify. 4863. . Request authorisation not obtained. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. 1/2/2020. Chargeback Guide 4 May 2021 TB Contents Contents Summary of Changes, 4 May 2021. 4:. Eligible Chargeback Reason Codes . Please note that the most common Chargeback reason code for Allocation disputes is 10. 3: Card-Present Environment. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. What is a chargeback. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. The cardholder claimed to not have participated in or authorized a transaction. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Reason Code Description External Category; 108: The remitter account is debited but the beneficiary account was not credited: Chargeback Raise: 109: The remitter bank customer still disputes that the beneficiary account is not credited: Pre-arbitration Raise: 121: TCC has been raised but the customer still complaining that Beneficiary a/c is. EN. 1 compliance release) 4870: Chip Liability Shift: 4871: Chip/PIN Liability Shift - Lost/Stolen/Never Received Issue 4808: Authorization related Chargeback: 4834: Point of Interaction Error: 4853 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 4870. The reason codes are grouped into several broad. The following table lists the Visa chargeback reason codes and their descriptions. Fraud (10)& Authorization (11)Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. 6. In 2021, the last parts of the EMV liability shift finally rolled out, removing the exception for self-service fuel pumps that had been in place since the beginning of the shift. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Choose the representment amount. Message. It is a valuable resource for anyone involved in the payments industry. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Acquirers may use message reason code 2870 (Chip Liability Shift) to invoke the chip liability shift as a final remedy to a chargeback initiated under message reason codes 4837 (No Cardholder Authorization). 5: 4870: Card not present at the time of transaction: F29: UA06: 10. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. 2. That said, looking up purchases using this number can make it easier to provide info following an. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. FR6 Partial Immediate Chargeback Program. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. com on 5/26/2016. The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. 10. Message reason code 4863 first chargebacks will be included in the FNS count once theFNS fraud chargeback count is two or greater. 4807 – Warning Bulletin File. . Chargeback amount is equal to or less than the exceeded limited /authorised amount. Fight; Prevent; Recover; Predict; Success Story; Resources. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Reason codes vary by card brand. ”. If you leave this processing. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. You can learn more about each one by visiting the Mastercard Chargeback Guide. The network plans to reduce response times even further to just 20 days in the near future. 1, 5 January 2016. ”. 4870. See Reason Codes for more. Authorization. 1, 5 January 2016. Account number not on file. You’ll put that reason code, the transaction amount and authorization number, and state that the. Chargeback Reason Codes, Chip Liability Shift Chargebacks—Mastercard Europe ATM Transactions (Mastercard, Maestro, and Cirrus), Message Reason Codes, Message. Include any terms relevant to the transaction, including return, cancellation and. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. Chargeback Guide 28 April 2016 Updated: 10 May 2016 TB Chargeback Guide - MasterCard Guide. Issuer Review; Allocation. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. If the merchant is not EMV-compliant, the liability for a fraudulent transaction shifts from the card issuer to the actual merchant. Which Mastercard chargeback reason codes were condensed down in 2016, like the processed that Visa just underwent with Passport Claims Dissolution. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. Reason Code Description; 10. 4847. The incorrect amount being charged. Square. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. pdf. In these instances, cardholders have 90 days to file a dispute. Documentation must be a direct result of cardholder communication. Verify case lands on to the Review Inbound Chargeback screen. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Understanding reason codes and associated representment requirements is. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 4837 No cardholder authorisation. Fraud (excluding chip 4870/70 and. 2. 4896 . First Chargeback failed: Reason Code 4870 not allowed for “Mag Stripe” Service: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4870 not allowed for Chip to Chip Transactions under CLS: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Codes 4837 and 4863 not allowed for SecureCode Transactions: 100001: 400. Specify the default reason code to. 2021. By entering your email, you agree to receive marketing emails from Shopify. 4880 . The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. Preventing Mastercard Reason Code 4837 Chargebacks. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. FRAUD. Responding to a chargeback request. Definitions / Master card international. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. M49 Vehicle Rental – Theft or Loss of Use. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. . Multiple Authorization Requests. Visa Chargeback Reason Codes. 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. As things currently stand, when an issuer believes that their initial chargeback was valid and the evidence submitted with the second presentment did. TabaPay 1099k Procedures; Transaction Integrity - Network Fees;. 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. Specify the invoice date and net due date that you want the system to assign to chargebacks. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is. 4853 – Cardholder Dispute – Goods or Services Not Provided. Cycle #2. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 2. Arbitration Chargeback/1442 Message - MasterCardCode 4807: Fraudulent Card-Present Transaction. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. The list of chargeback reason codes in this article. 4870: Chip Liability Shift:. 6 Reason Code 4855 UK—Goods or Services Not Provided, removed GBP 10 minimum value Summary of Changes ©2011–2015. pdfOverview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed section numbers, reorganized sections to focus on chargeback reasons; of 418 /418. The acquirer also charges the merchant a fee ranging between $5-100. Get your complete guide to the new Visa reason codes, including all the. Chargeback reason code. Specify the invoice date and net due date to assign to chargebacks. Batch chargeback process. 0 to 5. Time Limit in Calendar Days. It specifies the cause of dispute between the issuer and the merchant. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 4807 – Warning Bulletin File. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Visa, MasterCard, and American Express all list compelling evidence by reason code. . Match case Limit results 1 per page. 4:. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. A reason code is how banks categorize the reason for a chargeback. reason code information. 4841 Canceled Recurring or Digital Goods Transactions. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. 26 Chapter 1: GeneralReason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift ; How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. [noun]/* kə • stə • mər • di • spyo͞ot/. For example, the merchant bills the cardholder in installments. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. The second chargeback process remains in effect for other reason codes not specified. 518 Invalid Chargeback. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. By doing best business practices and little extra efforts, any merchant will reduce chargebacks or profit loss. Chargeback arbitration is a process in which disputing parties seek a verdict from an independent third party to settle a transaction dispute. Get your complete guide to Mastercard reason codes, included all the detailed information, chargeback time limitings, or other important information it need. 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. Try Shopify free for 3 days, no credit card required. processed the transaction correctly. 3. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 4854 Cardholder Dispute—Not Elsewhere Classified (U. When any Chargeback occurs, that will be identified by specific code. Match case Limit results 1 per page. In order to fight a chargeback effectively, however, you'll need to know the reason code. Post on 21. ) A no-nonsense summary of evidence that proves transaction is legit. . 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. 1 chargeback: 1. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. List and additional information about all reason codes by card brand. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 328 Proper Use of Interregional Message Reason Code 4870. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Some credit card companies also include a short phrase describing the code and chargeback. Credit card chargebacks occur when a customer has a chargeback dispute and decides to question a charge on their credit card statement with their Credit Card Company or issuing bank. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. 4870 . 04/09/14 Discover: DC, U02. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Below is a list of Mastercard chargeback codes used in eCommerce. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. merchants have been seeing large increases in chargebacks with Visa's liability shift code, Reason Code 62 (4870 or 4871 for MasterCard). Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. The changes in this fourth phase do not apply to the following reason codes: 4870 – Chip Liability Shift. 4512: Duplicate Processing:There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Reason code: Explanation: 11. Fraudulent processing of transaction. Reason Code. This applies to all Mastercard reason codes, except 4808, 4870, and 4871; these disputes will go to Arbitration directly if escalated. Be sure you understand the cardholder’s claim. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. How you respond is determined by the chargeback reason code: Embed This Graphic. Mastercard Reason codes fall under four categories. This scenario applies when the arbitration was raised by either the. Basically the Chargeback time frame include. Visa flagged the transaction under the Fraud Monitoring Program, and the issuer has not filed a chargeback under another reason code. 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. . Doc Preview. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. 4807 – Warning Bulletin File. A dispute often has a reason code associated with it. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration chargeback. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). 3. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. 1. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. . Mastercard chargeback reason code 4860: Credit Not Processed covers situations where the cardholder claims they are due a credit, but believes the merchant did not provide it. The network hasn't wholly disallowed some old codes. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. FR4 Immediate Chargeback Program. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. It specifies the cause of dispute between the issuer and the merchant. 10. 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. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 60. Cardholder does not recognise. Several reason codes fall under this heading; it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) vs. It is a valuable resource for anyone involved in the payments industry. 6). In that way, winning one dispute may help prevent the next chargeback to come after it. Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. “Visa has 28 different reason codes. Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. 4870: Chip Liability Shift: 120 days: 4871: Chip/PIN Liability Shift. Chargeback Guide June 2020 - Free ebook download as PDF File (. Discover uses unique codes to explain those reasons to merchants. Learn how to minimize fraud risks and protect your business from financial losses. Managing vulnerability. For example, 10. Also, remember that the time frame for your response includes any processing required by the acquirer. Chargeback Guide • 28 April 2016 52 Dual Message System Chargebacks Authorization-related Chargeback IPM Arbitration Chargeback Message Reason Code One of the following: Supporting Documents None DE 72 (Data Record) None Notes Replace 48XX with the valid chargeback message reason code. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 3. . June 5, 2023. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. UA02 Fraud – Card Not Present Transaction. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Description of Change Where to Look Global Operations Bulletin No. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Reason codes vary by card brand. MasterCard Chargeback Reason Codes MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors. Visa chargeback reason codes retrieved from Visa. Train staff members on the proper practice of the above requirements. 3, 1 March 2016. Mastercard Reason codes fall under four categories. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. . View Mastercard_Chargeback_Guide_4. MasterCard uses four main categories to organize its reason codes: Authorization, Cardholder Disputes, Fraud, and Point-of-Interaction Errors. 4870 - Chip Liability Shift. Removed 6. Merchant error: There are several Chargeback related to merchant services than any other category and most of them are preventable. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Chargeback amount is equal to or less than the exceeded limited /authorised amount. 4808: Requested/Required Authorization Not Obtained. Claim. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. MasterCard time limits vary depending on the applicable reason code. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Merchants can find a. 4808 – Authorization-Related Chargeback – Cardholder-Activated. Of course, some of these inquiries will still inevitably progress to the chargeback phase. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. 4807 – Warning Bulletin File. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. The 4837 reason code allowed acquirers to provide alternate information when the originally-submitted payment information was incorrect. 318 Interregional Message Reason Code 4870—Chip Liability Shift. 2 — EMV Liability Shift Non-Counterfeit Fraud; Mastercard Chargeback Reason Code 4870 — Chip Liability Shift; Mastercard Chargeback Reason Code 4871 - Chip Liability Shift – Stolen Card; Amex Reason. ”. At Visa they used to receive reason code 98.