Dispute Type

Get Dispute and Get Disputes responses show the dispute type in data_type and reason_desc.

The following table shows the possible dispute types:

Dispute type description (`reason_desc`)	Dispute type code (`data_type`)
Fraud Dispute TC40	`F`
Pre-Dispute (see note below)	`U`
Retrieval	`V`
First Time	`C`
Pre-Arbitration	`P`
Arbitration	`A`
Pre-Compliance
Compliance	`M`
Chargeback Reversal	`R`

Note the following about certain dispute types:

Visa Pre-dispute - "Pre-dispute" refers to our internal naming for Visa’s RDR (Rapid Dispute Resolution). In this process, a partner will receive a notification when their merchant responds to the RDR. The disputed funds have already been deducted from the acquirer’s settlement account. These disputes are for collection purposes only--no merchant action is required.
Chargeback Reversal - This dispute type indicates that funds have moved. Qualpay typically won’t have direct access to this information, so you should only see the following dispute statuses:
- Issuer reversal - This can occur if the issuer changes their position before merchant action.
- Issuer accept - This occurs when the merchant rebuts and the issuer accepts or rejects the rebuttal.
Pre-compliance and Compliance - Compliance disputes will initially be managed outside of the API.
Pre-Arbitration and Arbitration - For Pre-Arbitration and Arbitration (dispute types P and A ), funds are debited upon receipt of either, and will be returned if the case is won.

Dispute Reason Code

Please note the following about dispute reason codes:

The dispute reason code is found in reason_code in a Get Dispute or Get Disputes response.
Reason codes and their descriptions differ by card brand.
The card brand for a dispute is found in card_type in a Get Dispute or Get Disputes response.

Find the table for the appropriate card brand below:

VISA reason codes

The table below shows reason codes (reason_code) provided for Visa dispute cases, which define the Visa card brand's dispute conditions. For more information, see Visa's Dispute Management Guidelines for Visa Merchants.

VISA dispute reason code (`reason_code`)	VISA dispute condition
10.1	EMV Liability Shift Counterfeit Fraud
10.2	EMV Liability Shift Non-Counterfeit Fraud
10.3	Other Fraud – Card-Present Environment
10.4	Other Fraud – Card-Absent Environment
10.5	Visa Fraud Monitoring Program
11.1	Card Recovery Bulletin
11.2	Declined Authorization
11.3	No Authorization/Late Presentment Effective for Transactions completed on or after 13 April 2024
12.1	Late Presentment Effective through 12 April 2024
12.2	Incorrect Transaction Code
12.3	Incorrect Currency
12.4	Incorrect Account Number
12.5	Incorrect Amount
12.6	Duplicate Processing/Paid by Other Means
12.7	Invalid Data
13.1	Merchandise/Services Not Received
13.2	Cancelled Recurring Transaction
13.3	Not as Described or Defective Merchandise/Services
13.4	Counterfeit Merchandise
13.5	Misrepresentation
13.6	Credit Not Processed
13.7	Cancelled Merchandise/Services
13.8	Original Credit Transaction Not Accepted
13.9	Non-Receipt of Cash at an ATM

MC reason codes

The table below shows reason codes (reason_code) provided for Mastercard dispute cases. For more information, see Mastercard's Chargeback Guide Merchant Edition.

MC dispute reason code (`reason_code`)	Description	Category
4807	Warning Bulletin File	Authorization
4808	Authorization-Related Chargeback	Authorization
4812	Account Number Not On File	Authorization
4831	Transaction Amount Differs	Point-of-Interaction Error
4834	Point-of-Interaction Error	Point-of-Interaction Error
4837	No Cardholder Authorization	Fraud
4840	Fraudulent Processing of Transactions	Fraud
4841	Canceled Recurring or Digital Goods Transactions	Cardholder Disputes
4842	Late Presentment	Point-of-Interaction Error
4846	Correct Transaction Currency Code Not Provided	Point-of-Interaction Error
4849	Questionable Merchant Activity	Fraud
4850	Installment Billing Dispute	Point-of-Interaction Error
4853	Cardholder Dispute	Cardholder Disputes
4854	Cardholder Dispute—Not Elsewhere Classified (U.S. Region Only)	Cardholder Disputes
4855	Goods or Services Not Provided	Cardholder Disputes
4859	Addendum, No-show, or ATM Dispute	Cardholder Disputes
4860	Credit Not Processed	Cardholder Disputes
4863	Cardholder Does Not Recognize—Potential Fraud	Fraud
4870	Chip Liability Shift	Fraud
4871	Chip/PIN Liability Shift	Fraud
4999	Domestic Chargeback Dispute (Europe Region Only)	Point-of-Interaction Error

AMEX reason codes

The table below shows reason codes (reason_code) provided for American Express dispute cases. For more information, see the American Express Disputes Education Center.

AMEX dispute reason code (`reason_code`)	Description	Category
004	Not Received – Delivery Requested	Inquiry
021	Canceled – Expired	Inquiry
024	Damaged/Defective – Return Authorization Requested	Inquiry
059	Damaged/Defective – Repair/Replacement Requested	Inquiry
062	Credit Posted As Charge	Inquiry
063	Dissatisfied	Inquiry
127	No Knowledge – Card Present	Inquiry
154	Canceled – Expired/Unsuccessful Cancelation	Inquiry
155	Not Received – Credit Requested	Inquiry
158	Return	Inquiry
173	Duplicate/Multiple Billing	Inquiry
175	Requests Credit	Inquiry
176	No Knowledge – Card Not Present	Inquiry
193	Fraud	Inquiry
680	Overcharge	Inquiry
684	Paid Direct by Other Means	Inquiry
691	Signed Support and/or Itemization	Inquiry
693	Vehicle Rental and Capital Damages	Inquiry
A01	Charge Amount Exceeds Authorization Amount	Chargeback - Authorization
A02	No Valid Authorization	Chargeback - Authorization
A08	Authorization Approval Expired	Chargeback - Authorization
C02	Credit Not Processed	Chargeback - Card Member Disputes
C04	Goods/Services Returned or Refused	Chargeback - Card Member Disputes
C05	Goods/Services Canceled/Not Received/Partially Received	Chargeback - Card Member Disputes
C14	Paid by Other Means	Chargeback - Card Member Disputes
C18	"No Show" or CARDeposit Canceled	Chargeback - Card Member Disputes
C28	Canceled Recurring Billing/Goods Not as Described/Defective/Damaged	Chargeback - Card Member Disputes
C32	Goods/Services Damaged or Defective	Chargeback - Card Member Disputes
F10	Missing Imprint	Chargeback - Fraud
F14	Multiple ROCs	Chargeback - Fraud
F24	No Card Member Authorization	Chargeback - Fraud
F29	Card Not Present	Chargeback - Fraud
F30	EMV Counterfeit	Chargeback - Fraud
F31	EMV Lost/Stolen/Non-Received	Chargeback - Fraud
FR2	Fraud Full Recourse Program	Chargeback - Inquiry/Miscellaneous
FR4	Immediate Chargeback Program	Chargeback - Inquiry/Miscellaneous
FR6	Partial Immediate Chargeback Program	Chargeback - Inquiry/Miscellaneous
M01	Chargeback Authorization	Chargeback - Inquiry/Miscellaneous
M10	Vehicle Rental — Capital Damages	Chargeback - Card Member Disputes
M49	Vehicle Rental — Theft or Loss of Use	Chargeback - Card Member Disputes
P01	Unassigned Card Number	Chargeback - Processing Errors
P03	Credit Processed as Charge	Chargeback - Processing Errors
P04	Charge Processed as Credit	Chargeback - Processing Errors
P05	Incorrect Charge Amount	Chargeback - Processing Errors
P07	Late Submission	Chargeback - Processing Errors
P08	Duplicate Charge	Chargeback - Processing Errors
P22	Non-Matching Card Number	Chargeback - Processing Errors
P23	Currency Discrepancy	Chargeback - Processing Errors
R03	Insufficient Reply	Chargeback - Inquiry/Miscellaneous
R13	No Reply	Chargeback - Inquiry/Miscellaneous

DISC reason codes

The table below shows reason codes (reason_code) provided for Discover dispute cases.

DISC dispute reason code (`reason_code`)	Description	Category
01	Transaction Documentation Request	Ticket Retrieval Request
03	Transaction Documentation Request Due to Cardholder Dispute	Ticket Retrieval Request
04	Transaction Documentation Request for Fraud Analysis	Ticket Retrieval Request
05	Good Faith Investigation	Ticket Retrieval Request/Services
AA	Does Not Recognize	Services
AP	Recurring Payments	Services
AT	Authorization Noncompliance	Authorization
AW	Altered Amount	Services
CD	Credit/Debit Posted Incorrectly	Services
DA	Declined Authorization	Authorization
DC	Dispute Compliance	Dispute Compliance
DP	Duplicate Processing	Services
EX	Expired Card	Expired
IC	Illegible Sales Data	Services
IN	Invalid Card Number	Processing Errors
LP	Late Presentation	Processing Errors
NA	No Authorization	Authorization
NC	Not Classified	Not Classified
NF	Non-Receipt of Cash from ATM	Services
PM	Paid by Other Means	Services
RG	Non-Receipt of Goods, Services, or Cash	Services
RM	Cardholder Disputes Quality of Goods or Services	Services
RN2	Credit Not Processed	Services
UA01	Fraud – Card Present Transaction	Fraud
UA02	Fraud – Card Not Present Transaction	Fraud
UA05	Fraud – Chip Counterfeit Transaction	Fraud
UA06	Fraud – Chip and PIN Transaction	Fraud
UA10	Request Transaction Receipt (swiped card transactions)	Fraud
UA11	Cardholder claims fraud (swiped transaction, no signature)	Fraud

Dispute Status

Get Dispute and Get Disputes responses show the current dispute status in status.

The following table shows possible dispute statuses:

Dispute status code (`status`)	Dispute status
`A`	Merchant Accepts
`C`	Issuer Accepts
`D`	Issuer Rejected
`E`	Timeframe Expired
`F`	Merchant Fulfills
`I`	Issuer Review
`K`	Issuer Cancelled
`L`	Arbitration Lost / Issuer Won Arbitration
`N`	New
`P`	Issuer Challenged
`Q`	Acquirer Review
`R`	Issuer Reversal / Issuer Wishdraw
`S`	Merchant Withdrew
`U`	No Further Action
`W`	Merchant Won Arbitration / Issuer Withdrew
`Z`	Arbitration

When are funds debited or returned?

The dispute statuses Issuer Reversal / Issuer Withdrew (R) or Issuer Accepts (C) do not always mean that the funds debited due to the chargeback have been returned to the account:

In general, for first time disputes (dispute type C), the merchant will have been debited the dispute amount. As a result, these statuses (R and C) indicate a return of the funds debited.
For Pre-arbitration and Arbitration (dispute types P and S), funds are not debited by the card brands until the final decision.

Dispute Workflow

Get Dispute and Get Disputes responses show the dispute workflow in cbr_workflow.

The following table shows the possible dispute workflows:

Workflow code (`cbr_workflow`)	Workflow
`S`	Standard
`C`	Collaboration
`A`	Allocation