Chargeback Coverage

Chargeback Reason Code Policy

Last updated: August 22, 2017

Eligible Chargeback Reason Codes

Signifyd’s Guaranteed Services solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback reason codes and categories specified below.

Note: Card processors may update their chargeback codes from time to time, which may not be fully reflected below. In case of code or category omission as reported by the card processor, Signifyd will determine in its sole discretion the eligibility of a submitted transaction for coverage under the Guaranteed Services.

Eligible Reason Codes and Categories

Reason Visa MasterCard American Express Discover
Transaction not recognized 75 37 N/A AA
Fraud (Card Not Present) / No cardholder authorization 83 63 F24, F29 UA02, 7030
Card Processor Categories
Braintree Fraud, Not Recognized
Stripe Fraudulent, Unrecognized
PayPal Claim - Unauthorized, Chargeback - Unauthorized/Fraud
Adyen (Europe) Disputed transactions (reason code-45)

Ineligible Chargeback Reason Codes

Chargebacks received as the result of processing error and/or buyer-seller disputes are classified as non-fraudulent/authorized purchases and therefore not eligible for Guaranteed Services. These types of chargebacks are typically prevented through best practices or may be challenged and won by the merchant.

Ineligible Reason Codes and Categories

Reason Visa MasterCard American Express Discover
Item not received 30 55 C08 RG, 4755
Item not as described or defective merchandise 53 53 C09, C31, C32 RM, 4553
Credit not processed 85 60 C01-C07  
Declined authorization/Authorization not obtained 71 4808 A02 4752, 4754
Card Processor Categories
Braintree Item not received, Significantly not as described, General
Stripe Product not received, Product unacceptable, Credit not processed, Duplicate, Subscription cancelled, General
PayPal Item not received, Significantly not as described, Credit not processed