ChargebackKit

Chargeback Reason Code Lookup

Your processor handed you a code like Visa 10.4, Mastercard 4853, Amex C08, or Discover UD. Pick it below and get what it means, the merchant’s winning argument, the exact evidence checklist to gather, and your response deadline. Free, no signup.

35 codes match

Pick the reason code your processor handed you. You will see what it means, the argument that wins, the exact evidence to gather, and your response deadline.

What does a chargeback reason code tell you?

The code is the cardholder’s exact claim, in the card network’s own language. It decides which evidence wins. A fraud code is answered with authorization and delivery proof. An item-not-received code is answered with tracking and delivery confirmation. A subscription code is answered with your cancellation policy and usage logs. Respond to the wrong claim and you lose even with good records. This lookup pins each code to the evidence that actually answers it.

How do you use the evidence checklist?

Work the checklist top to bottom — the items are ordered strongest first, so lead your response with the evidence at the top. Pull each item from your processor dashboard and order records before the deadline. Once you have it gathered, the paid pack builder writes the rebuttal and assembles a labeled PDF, or you can submit it yourself using a free response letter template.

Where to go from here

Reason code lookup: common questions

What is a chargeback reason code?↓
A chargeback reason code is the short code your payment processor passes through from the card network (Visa, Mastercard, American Express, or Discover) when a cardholder disputes a charge. It tells you exactly what the customer is claiming — for example fraud, item not received, or a cancelled subscription — which determines the evidence you need to respond. This tool maps each code to its plain-English meaning and the evidence that answers it.
How do I respond to a chargeback reason code?↓
Identify the code your processor shows, gather the specific evidence that answers that exact claim, and submit it before the response deadline. Each code has a different winning argument: a fraud code is answered with authorization and delivery proof, while an item-not-received code is answered with tracking and delivery confirmation. Pick your code above to see the ordered evidence checklist and the strongest argument for it.
How long do I have to respond to a chargeback?↓
Response windows are set by the issuer and vary by network and processor, commonly around 20 to 30 days from the chargeback date. Your processor dashboard shows the exact deadline for your dispute, which is often shorter than the network maximum. Submit early — late evidence is not reviewed. The deadline shown in this tool for each code is a representative window; always confirm the date in your dashboard.
Is this reason code lookup free?↓
Yes. The lookup, the meaning, the winning argument, the evidence checklist, and the deadline for every code are free with no signup. The paid step is optional: ChargebackKit takes your gathered evidence and writes the rebuttal letter, then assembles everything into a formatted, labeled PDF mapped to your reason code.

Found your code? Build the winning response.

The checklist tells you what to gather. ChargebackKit writes the rebuttal and assembles a submission-ready PDF mapped to your reason code.

Build my evidence pack — $19

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