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Guaranteed Fraud Protection - Chargeback Coverage Policy

Last updated: October 15, 2019
Eligible Chargeback Reason Codes

Signifyd’s Revenue Protection 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.

Signifyd offers separate products that cover extended protection on additional reason codes pursuant to a separate agreement.

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 Fraud Protection.

Eligible Reason Codes and Categories

Reason Visa MasterCard American Express Discover
Transaction not recognized N/A 63 N/A AA, 4752
Fraud (Card Not Present) / No cardholder authorization 10.4, 10.5 37 FR2, F24, F29 UA02, 7030
Card Processor Categories
Braintree Fraud, Not Recognized
Stripe Fraudulent, Unrecognized
PayPal Claim - Unauthorized, Chargeback - Unauthorized/Fraud
Adyen Other Fraud-Card Absent Environment, No Cardholder Authorisation, Card Not Present Fraud, Cardholder Does Not Recognise - Potential Fraud, Disputed Transactions (Reason Code-45)
Shopify Fraudulent, Not Recognized

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 Fraud Protection. These types of chargebacks are typically prevented through best practices, may be challenged and won by the merchant, or covered through Signifyd’s extended protection.

Ineligible Reason Codes and Categories

Reason Visa MasterCard American Express Discover
Item not received* 13.1 55 C08 RG, 4755
Item not as described or defective merchandise 13.3 53 C09, C31, C32 RM, 4553
Credit not processed 13.6 60 C01-C07
Declined authorization/Authorization not obtained 11.2 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
Shopify Product not received*, Product unacceptable, Duplicate, General


Supplemental Policies