Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Encrypt transmission of cardholder data. A reason code is how banks categorize the reason for a chargeback. Reason codes are created by the major. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. 100007:. 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. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Chargebacks are a standard part of doing business, especially if you accept payments online. Acquirer Use of Message Reason Code 7623. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Provide exemplary customer service. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. All ACH return reason codes consist of the letter “R” followed by two. 14 - Invalid Card Number. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. The issuing bank reviews the information. Documentation must be a direct result of cardholder communication. 4837 (37) (MasterCard) No cardholder authorization: 4863 (63) (MasterCard) Cardholder does not recognize: FraudulentGoods / Services Damaged or Defective. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. The most popular type of disputes of the chargeback category. One of the most common chargebacks that are being filled by cardholders across the globe, is the “fraud related chargeback. High Level Visa Chargeback Dispute Flow. Once you receive this notification, you have 11 days to submit a response. 0 is to make the chargeback process more efficient, transparent, and fair. 4. We will assign the chargeback to you for review in the Disputes tab of the Customer Area. 56. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that the transaction was submitted with an. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. These codes are established by the payment brands to categorize the incoming dispute requests by reason. For example, 10. Mastercard. com Europe. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Visa Chargeback Reason Codes; MasterCard. Specifically, these updates only pertain to transactions that are charged back after Oct. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. The first thing to understand is that not all chargebacks are the same. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) American Express chargeback reason code C31 falls under the “Card Member Disputes” category. 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. Chargeback Reason Codes Page 2 of 5. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. The reason_description field lists the chargeback reason. The reason code specifies why the chargeback was initiated. The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) What does transaction response code 37 - Contact Acquirer Security Department, Retain Card mean? 25/11/2016. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. . What is Visa chargeback reason code 13. 10. 1: Use the corresponding dates from the invoice. 1 A customer issues a chargeback with their bank. 7 falls under the “Processing Errors” category. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—Questionablefor chargeback reason code 4863 (Cardholder Does Not Recognize). All 1. See the SNAD filing reason codes section for valid values. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. 1. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. That said, looking up purchases using this number can make it easier to provide info following an. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. All of Visa’s existing reason codes were. 7? Visa chargeback reason code 13. There are over 80 unique return codes, and each one represents a different type of return. These are only a handful of common Visa chargeback reason codes. VCR Dispute Reason Code 10. France saw a drop of roughly 50% during the same period. Please refer to chapter 5 for. Chargeback Reason Code: 37 . 9808 info@chargebacks911. Discover: Reason Code 4755 Non-receipt of goods or services. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. 44%: 58. This specific code applies when a cardholder reports that the actual merchandise received was counterfeit, and can back up that claim with documentation from a reliable, professional third party. Clerical The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. 4. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. What is Visa Reason Code 13. Any chargeback that is received without a reason code will be assigned a default code of 53. But, merchants should be aware that, eventually, everyone will be required to use the new designations. The new reason codes follow a format of two digits, a period, then a third digit. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Recurring billing transactions are a frequent source of conflict, disputes, and. Goods / Services Damaged or Defective. To help you identify what happened, look up the code you received for the dispute below. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. 3. Codes are not often shared between issuers which means it can be difficult to remember the details of each. The reason codes are grouped into several broad. If the order was genuinely not as described, then the cardholder has a case. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. 2 Added chapter providing information about the Discover ‹” Chargeback Reason Codes… !ó Retrieval Reason Codes… Í Sheet3š š £ £ Œ ® ;H Á Á Õ8 ü ! À Mastercard Reason Code Description Time Frame Retrieval Required 01 Yes 02 07 No 08 12 31 Transaction amount differs 34 Duplicate Processing 35 37 No Cardholder Authorization 40%Fraudulent Processing of Transactions 41 Cancelled. There are several reasons why many merchants turn a blind eye to suspected return fraud. 4 spec (Section 8. . The cardholder may be the customer or the someone who lent their card to a friend or relative. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Reason Codes: 23 / 37 / 61 / 83 Account numbers do not match After swiping a card, if the card number displayed does not match the number embossed on the face of the card, ask for a different form of payment. UnionPay is a payment method available worldwide, but very popular in APAC countries. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. 42. New Visa CE 3. Vantage HouseThe issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. Step 01 | Identify the Reason Code. While the updates have been published, they do not go into effect until Oct. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Fraud (10)& Authorization (11)The client will send this dispute to Paymentology’s Global support team via email – [email protected] is an updated version of legacy Visa reason code 76, which was phased out under the Visa Claims Resolution initiative. Please refer to chapter 5 for more information. Visa chargeback reason code 12. . There are 151 chargeback reason codes across the four major card networks. There are plenty of reasons as to why this would happen, hence the many. About Visa chargeback reason codes. 6. 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. Betty's issuing bank assigned chargeback reason code 10. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Those reasons are explained through the corresponding reason codes. 2 falls under the “Processing Errors” category. ”. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. . 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. This reason code indicates that the merchant processed a transaction using the wrong transaction code. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Chargeback Reason Code. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Protect stored cardholder data. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Check with the issuing banks to determine what time limits may apply to you. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 9), the acquirer has 24 days to respond to the dispute • For MasterCard, the acquirer has 45 days to respond to the dispute The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Either the acquiring or issuing bank could initiate the. CB Reason Code: Unicode Text (30-character) Chargeback reason code as provided by the bank or payment method. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. The sales receipt and/or date and amount of the authorization if other than the transaction date. A reason code is an alphanumeric code that explains the reason behind the dispute. puts the burden of proof back on the consumer and/or Issuer to “prove” or substantiate the reason for the chargeback. Additionally, a chargeback reason code is provided that describes the specific case in more detail. Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. This reason code is used when a cardholder is claiming that a merchant has processed multiple unauthorized transactions against their Visa card. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents online faster. 800. Each card network maintains reason codes to cover all the disputes that qualify for. manual processing by uploading chargeback documents instantly. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. While the reason code may not reflect the true reason for the chargeback, you must respond to the chargeback based on the code provided. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Region Only) 4855 Goods or Services Not Provided. However, the 30 day waiting period can be waived if you’ve. 4854 Cardholder Dispute—Not Elsewhere Classified (U. A new 4 byte reason code will be used moving forward. In fact, 91. If the order was genuinely not as described, then the cardholder has a case. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. The cardholder’s bank assigns a reason code to each chargeback before sending it to the merchant. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. 1 to RC 11. Every chargeback comes with a reason code. Visa - 13. Understanding Device Layers; See more. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. If you're contesting a chargeback, you'll need solid evidence. 3 No Authorization. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. The implication is that the merchant is at fault. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). Understand the Reason Code: Start by ensuring you understand the reason code of the chargeback and the claim it represents. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Learn more about Visa reason codes. 4. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. As a merchant, you face the brunt of chargeback losses. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. A Shopify chargeback occurs when a cardholder contacts the bank about. without a reason code will be assigned a default code of 1. Code 4807: Fraudulent Card-Present Transaction. S. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. The most comprehensive guide to chargeback reason codes. 2 Added chapter providing information about the DiscoverChargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. Reason code 37 is not allowed for AFD transactions with CAT Level 2. It is associated with a chargeback reason code, and it is specific per Card Scheme. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Definition. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. The bank files that disagreement on the cardholder’s behalf, overturning the sale, then claws the funds back from the merchant and. 2=1020 etc. 1=1010,. 10. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Product/service not received. Regardless, merchants must respond to the given reason code. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Ensure that the digits of the. GraphQL Docs & Tools. Chargeback reason code 10. Cause. You may know that every dispute you receive is attached to a chargeback reason code. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. Cancelled Recurring. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. 3: Goods or services were not received: C08: RG: 4855: 13. R03 Insufficient Reply. Consider Deadlines. This may be done by either the merchant or the issuing bank. 6 General update and rebranding. What is Visa chargeback reason code 13. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. In the case of friendly fraud, that reason could be completely invalid and. 2. 2. Only use EMV-compliant terminals. Date Option. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 00 EUR as a Withdrawal fee. 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. Merchants who believe they have received an invalid chargeback under reason code 13. The same is true of all chargeback reason codes. 1. The first thing you should learn is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. Overall returns (all codes): 15%. ” This code indicates the transaction was processed using the wrong Merchant Category Code, transaction type indicator, country or state code, or some other required field. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. The issuer reviews the case, assigns a reason code, and initiates the chargeback. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. You are required to submit evidence to defend against the dispute. Responding to Mastercard Reason Code 4853 Chargebacks. However, Visa is the largest card brand in both the United States and the world. “American Express Chargeback Reason Codes | Sift”. Duplicate Processing - 81Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Each code corresponds to an issue or problem. Assemble Your Evidence. These chargebacks occur to resolve chargeback-related disputes between network members. M10 Vehicle Rental – Capital Damages. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)About American Express chargeback reason codes. These codes are broken down into five different category. This second chargeback is what was commonly referred to as a “pre-arbitration chargeback. 4837. Updated August 23, 2023. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Here are some chargeback reason codes by card type. Fraudulent. Visa ® has launched the CE 3. Protect stored cardholder data. Card networks send these codes to merchants to indicate why a chargeback has been filed. 4860 Credit Not Processed. The card scheme receives the chargeback and forwards it to the acquirer. Business Tips (37) Card-not-Present (6) CBD (41) Chargebacks (29) Check Processing (98) Credit Card Processing (64) eCommerce (60) Fees (26) Firearms (16). Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ”. Reason code 37 chargeback For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. It was originally just one facet of legacy reason code 81. 37. The initial release of this standard does not add, remove or change any Return Reason Codes. Because there are many reasons for which customers may file a chargeback, Discover issues an accompanying chargeback reason code with each chargeback. 1: goods not received. Updated Disputes/Chargeback Policy Coming April 2024A dispute often has a reason code associated with it. Batch chargeback process. Reason Code 37 not allowed when merchant supports UCAF: 100007: 400* INVALID_REQUEST: Reason code 37 is not allowed for AFD transactions with CAT Level 2. 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. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. The reason code may not reflect the true reason for the chargeback. At Visa they used to receive reason code 98. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Learn about the different chargeback reason codes and what they mean. A reason code is how banks categorize the reason for a chargeback. com. Description. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. The case is now closed. 1 to RC 13. API status is evidence_required and chargeback code is ADJM. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Select the value “open”. Visa Merchant Official Documentation. The merchandise was as described or was not defective. Mastercard issuing banks will no longer be able to bundle more than one transaction into a single dispute case. Also, remember that the time frame for your response includes any processing required by the acquirer. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Cardholder Disputes. Reason Code Description 4750 AL Airline Transaction Dispute 4541 AP Recurring PaymentChargeback reason codes. The shorthand description is "'No Show’ or CARDeposit Canceled. Summary of Changes, 20 November 2017 This document reflects changes made since the last publication. Chapter 2 1. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder. Terms and conditions. Ready to Start Preventing. 7: Defective goods and services: C32: RM: 13. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. You can learn more about each one by visiting the Mastercard Chargeback Guide. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. Payment. 10. Complete Guide to Visa Compelling Evidence Update CE 3. For educational purposes, here is an overview of the general chargeback process with most major processors: Step 1: A purchase occurs – All chargebacks start with a customer making a purchase, either in-person, in-app or online. 1042. Which is meant to know the reason for the dispute. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 3. 1 Merchandise/Services Not Received . Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. 23 = item exceeds dollar limit. The first is true fraud, where someone used stolen credit card or account information to make a purchase. For first chargebacks,. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. As we touched on earlier, chargebacks can happen due to technical errors. Chargeback reason code 4853: Cardholder Dispute applies to situations in which a customer feels they have been cheated or misled. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. The cardholder couldn't recognize the purchase description on the billing statement. 6%. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. CNP transactions are incredibly varied; with customers purchasing everything from. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Fight; Prevent;. 75 for every $1. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 7: Defective goods and services: C32: RM: 13. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Unauthorized returns (R05, R07, R10, R29, R51): 0. While the risk of chargebacks may elevate your financial exposure, processing credit card payments is more critical. UA06 Fraud – Chip and PIN Transaction. The terminal action codes are in Table 122 of the 4. Either the acquiring or issuing bank could initiate the chargeback. 37: Filing notes: Type: Varchar; Unique: No; Blanks: Yes; Max length: 4000 characters; This is free form text about the Filing Reasons. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. reason_description: string. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of.