There are several useful benefits of chargeback prevention alerts: Reduce chargeback rates by about 20-30% to help prevent chargeback threshold breaches. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Protect stored cardholder data. Retrieval: A request initiated by a customer for more information about a charge. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. 7: Defective goods and services: C32: RM: 13. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Click on “report a problem” and select the transaction in question. M49 Vehicle Rental – Theft or Loss of Use. #9. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response 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. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Save finalize leaders includes the chargeback good codes off each of the four major card networks. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Fraud. Codes are not often shared between issuers which means it can be difficult to remember the details of each. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 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. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for. 04/09/14 Discover: DC, U02. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Thus, the easiest way to prevent chargeback reason code 75 from being. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. 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. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. 634. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. FAQ: What is Chargeback. The network hasn't wholly disallowed some old codes. A chargeback is the potential outcome of a disputed credit or debit card transaction. Chargeback reason code. With that said, you still need to understand the reason codes with any chargebacks from Amex. 1 chargeback: 1. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. 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. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Chargebacks are something every business wants to avoid, as they can. By entering your email, you agree to receive marketing emails from Shopify. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. 2 – EMV Liability Shift Non-Counterfeit Fraud. Try Shopify free for 3 days, no credit card required. Visa Chargeback Reason Codes. Using the same link provided above, contact PayPal to report the scam. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. Field name: reasonCode. Please see the below “cheat sheet” for the new 4 byte reason codes. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. UA02 Fraud – Card Not Present Transaction. In fact, the total costs of chargebacks exceed $30 billion per year, which is more than the revenue of many Fortune 500 companies, like McDonald’s and Netflix. So the company has more incentive to side with customer during cardholder. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 2 address the specific dispute reason with the documents you send. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andWith the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Once filed, the merchant generally has 20. Receive the Chargeback. Reason. Fight; Hinder; Recover; Resources. The cardholder may be the customer or the someone who lent their card to a friend or relative. Which is meant to know the reason for the dispute. For example, 10. many chargeback reason codes that exist today. Scenario 1 — upfront chargeback. A reason code is a numeric code that describes the cause behind a chargeback dispute. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. 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—QuestionableWhich fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. Chargebacks are a problem that is growing worse across the board, and gas station. This can. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. There are several types of chargeback reason codes that can be used, including the following: 1. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Attempted to process transactions fraudulently. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. Products. Summary of Changes, 13 December 2018Code 10. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. 3. F27:A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Maestro. 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. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. American Express Chargeback Reason Codes – Chargeback Expertz. 2. At Visa they used to receive reason code 98. The cardholder initiates contact with their bank or credit union to file a dispute. The assigned chargeback reason code outlines why a customer submitted the dispute. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. A01 | A02 | A08. For example, Mastercard has a code which indicates a ‘consumer dispute. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Updated the following columns - card type, response due date. September 2011: 5. The cardholder alleges they never received the products or services. ”. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Values are: Blank: Use the draft G/L date. Different card networks have different reason code systems. Additionally, Amex uses a fifth "Miscellaneous" category. Most commonly the payer is a consumer. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. However, Visa is the largest card brand in both the United States and the world. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. 3. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. “It’s a lot tougher with Mastercard because they only use four main codes. P04 – Charge Processed as Credit. Let’s say you got a Visa chargeback with reason code 13. Chargeback reason codes. ; Help Center Find answers to common questions about Midigator’s technology,. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. This ranges anywhere from roughly 60 to 90 days after purchase. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. The shorthand description is “Late Presentment. The list of chargeback reason codes in this article. Nothing immediately identifies a chargeback as being the result of first-party misuse. 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. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. About American Express chargeback reason codes. F24. Also, just like American Express, Discover functions as both a card network and an. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. This liability shift essentially provides merchants. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Solutions. The following chargeback reason codes are related to EMV: Visa: 10. Reason codes are very crucial to assist. UA05 Fraud – Chip Counterfeit Transaction. Goods/Services Not Received or Only Partially Received. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. A chargeback happens when a customer requests for a transaction to be reversed. Chargeback reason codes are codes used to categorize the reason for the dispute. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. F26: The name provided. How you respond is determined by the chargeback reason code: Embed This Graphic. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Reason. Chargeback. MasterCard and. And, each code has unique compelling evidence requirements if you choose to fight. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 RequestedRequired information illegible or missing. 3: Goods or services were not received: C08: RG: 4855: 13. 103. F02. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. F29 – Card Not Present. Stage 1: First Chargeback. 101. Take the time to note the following dispute reason codes for Visa. 2=1020 etc. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. com 14. Date Option. 6. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. This chargeback occurs when merchants do not adequately provide currency information. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 5 billion lost in 2020. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. There are 151 chargeback reason codes across the four major card networks. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Once you hear from. (ISO 4755) / No Cardmember Authorisation (F24) Description. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. The most comprehensive guide to chargeback reason codes. Definition. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Here are the two possible scenarios: 1. reason codes. MasterCard: Reason Code 4859 Services not rendered. 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. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. 3 Fraud – Card-Present Environment. Here finalizing user includes the chargeback reason codes from either of the foursome major card networks. If you leave this processing. When one cardholder initiates a dispute with their issuing bank, a. Fight; Prevent; Recover; Predict; Success Story; Resources. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. Either the acquiring or issuing bank could initiate the chargeback. Chargeback. P22 – Non-Matching Card Number. 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. Identify issues within 24 hours of a cardholder dispute, rather than waiting. The sales receipt and/or date and amount of the authorization if other than the transaction date. Each code corresponds to an issue or problem. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Chargeback amount is equal to or less than the exceeded limited /authorised amount. Fight; Prevent; Recover; Technical. Solutions2. 4 (1040) (Visa) Card-not-present fraud: F24 (Amex) No cardmember authorization: F29 (Amex) Card-not. Updated Disputes/Chargeback Policy Coming April 2024The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. The chargeback can be for the total transaction amount or a lesser amount. 5. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. Reason code 83 represents a chargeback categorized as. US and Canada. S. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. 4; Code #10. Category. That’s 50% more time than what the major card networks allow. Read the Chargeback Advice letter carefully. A reason code is a numeric code that describes the cause behind a chargeback dispute. One of two things will happen next. FIGHT What compelling evidence is needed to respond? The Fintech Times. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. the requested documentation, your account will be debited. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. F25: The charges submitted did not receive an authorization approval code for the total amount of the charge. Discover is a credit card network and an issuing bank—just like American Express. for chargeback reason code 4863 (Cardholder Does Not Recognize). Step 1: The cardholder disputes a charge. The following are some examples: Visa Reason Code 13. Code Reason (for Visa) 10. 4853 – Cardholder Dispute – Credit Not Processed. Code. Additionally, one clearing transaction. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. Chargeback reason codes have changed. Reason Code. 10. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. For example, your trading name on the receipt differs to that on their statement. Versions Affected: v5, v6. Card Issuer. Spot these types of chargebacks using. Use this resource to prevent and fight chargebacks with greater accuracy . Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 1 EMV Liability Shift 10. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. 3 falls under the “Consumer Disputes” category. The customer regrets their purchase. Here are the two possible scenarios: 1. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Prevented; Recover; Tools. Amex Dispute Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. Transaction unauthorized make up 30% of all chargeback reason codes. By entering your email, you agree to receive marketing emails from Shopify. The cardholder does not recognize the Merchant. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. The merchandise was as described or was not defective. The reason codes are grouped into several broad. Once you hear from. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. Based on the information provided, Paymentology will investigate the transaction being disputed. There are plenty of reasons as to why this would happen, hence the many. 4. Authorization Reason Codes. 2 Compliance CasesOn that note, below are some vendor missteps that could result in Visa reason code 13. Fraud (10)& Authorization (11)Aforementioned definitive guide includes and chargeback reason codes from each of the four major bill networks. Updated: Valid values updated. Only an issuer can initiate the chargeback process. 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. 0 rule changes take effect April 15,. You can see a reason code 11. 3. F24: Multiple Charges: F25:Try Shopify free for 3 days, no credit card required. Chargeback Reason Codes by Industry. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Dispute. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. This will be referenced in the chargeback notice you received. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. Written over Chargeback Gurus. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Once filed, the merchant generally has 20. 00 in chargebacks. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Card networks send these codes to merchants to indicate why a chargeback has been filed. 4 (1040) (Visa) Card-not-present fraud. Description. Code #10. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. txt) or read online for free. A01 – Charge Amount Exceeds Authorization Amount. Reason Code: Definition: 10. The chargeback process can last from one month to six months. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. 4512: Duplicate Processing:About American Express chargeback reason codes. 4853 – Cardholder Dispute – Goods or Services Not Provided. 5%. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired:. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 10. 5 (1050) (Visa) Card-not-present fraud. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. American Express chargeback reason code F24 falls under the “Fraud” category. Under “Transaction History,” tap the transaction you want to dispute, then tap “Report an Issue. By entering your email, you agree to receive marketing emails from Shopify. 2. Specify the invoice date and net due date to assign to chargebacks. It is mandatory to send this field if you async status update is chargeback. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. The cardholder does not recognize the Merchant. 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. Because of this, banks, merchants, and card networks often classify chargebacks into three distinct categories to determine how they should be approached. Code. P04 – Charge Processed as Credit. Reason Code 81: Fraud. Scenario 1 — upfront chargeback. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. F24 No Cardmember Authorization; F29 Card Not Present Transaction; F30 EMV Counterfeit; F31 EMV List / Stolen / Non-received; Inquiry. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Reason codes vary by card brand. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. This can provide important information to fight the dispute. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 11/03/15 Updated these MasterCard. Documentation must be a direct result of cardholder communication. Clerical Reason Code. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Once filed, the merchant generally has 20 days to respond. 102. About Careers Contact. Expired Chargeback Protection Period. Chargeback fees make up a big chunk of the total costs, so we’re going to take a. F25: The charges submitted did not receive an authorization approval code for the total amount of the charge. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. These guarantees typically involve reimbursement for chargeback-related losses or the assumption of liability for chargeback disputes. The transaction amount and authorization number (ARN. Any time. Card Member Dispute. Chargeback Reason Codes Reason code are the first key to understanding the root causes . If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. Please note that the most common Chargeback reason code for Allocation disputes is 10. Amex Chargeback Reason Code F24: No Cardmember Authorization Description A card-not-present transaction occurs when cardholder files a complaint that he/she. Submitted: The response has been sent and the issuer is. Having a Lax Attitude Toward Industry Rules & Regulations. Chargeback reports can help merchants identify opportunities to increase efficiency, improve processes, and prevent future. Reason codes vary by card brand. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. chargeback reason codes REASON ODE ENCYCLOPEDIA sift. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. Other Fraud—Card Absent Environment. 4 – Other Fraud, Card-Absent Environment; Mastercard 4837 – No Cardholder Authorization American Express F24 – No Cardmember Authorization; Discover UA02 – Fraud: Card Not Present Transaction American Express Chargebacks / Disputes. Accessed October 31, 2022. While Apple Cash transactions are ineligible for conventional disputes, you can dispute Apple Card transactions. 1: Use the corresponding dates from the invoice. US $10,000.