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Resolve Chargeback Tool — Reason Codes

Visa Reason Code 72/MasterCard Reason Code 47, 07 and 08


Definition:
Transaction exceeds Floor Limit (Visa 72)
Exceeds Floor Limit, Not Authorized, and Fraudulent Transaction (MasterCard 47)
Requested Required Authorization Not Obtained (MasterCard 08)
Warning Bulletin File (MasterCard 07)
No authorization, or the merchant completed a transaction after receiving a decline response.

Q: Was credit processed?

    

Start This Reason Code Over

Q: Was credit processed?   A: Yes
 
RESULT
This chargeback can be represented. The documentation needed is:

A print out of the credit (if issued to the credit card)

Or

A copy of the front and back of the cancelled check or money order (if issued by check or money order)

If the credit issued was a partial credit, be sure to include an explanation as to why full credit was not issued.

Tips
  • Be sure to provide the documentation by the due date to preserve your rights to dispute the chargeback.
  • If the cardholder states they are going to withdraw the chargeback we recommend you still go ahead and represent the chargeback to ensure you preserve your rights.
  • To reduce risk of receiving a chargeback we recommend credits be issued to the account used in the purchase and not by check or money order.

Q: Was credit processed?   A: No

Q: Was a valid Authorization Response Code obtained?

    

Start This Reason Code Over

Q: Was a valid authorization Response Code obtained?    A: Yes
 
RESULT
You may have a Chargeback representment right. To represent this Chargeback the information required is
  • Authorization response,
  • Authorization Response Code
  • Date and amount of the authorization.
Tips
  • For card present transactions, if you swipe a credit card and receive a decline response, do not attempt any further authorizations on that card. Instead, ask the customer for a new form of payment.
  • For most merchants, if the amount of the authorization is for less than the amount of the purchase, the Chargeback can only be represented for the amount of the authorization. However, if the difference involves a gratuity you may be able to represent the Chargeback for the full amount of the purchase. If this is the case on your Chargeback, contact your Chargeback specialist to review the case.
  • Be sure to provide the documentation by the due date to preserve your rights to dispute the Chargeback.
  • If the cardholder tells you they are going to withdraw the Chargeback we recommend you still go ahead and represent the Chargeback to ensure you preserve your rights.

Q: Was a valid authorization Response Code obtained?   A: No

 
RESULT
According to the information you provided and Visa / MasterCard Chargeback regulations, it does not appear that you can dispute this Chargeback through Wells Fargo.

You may consider contacting the Cardholder directly to discuss potential resolution. If you feel that the Chargeback is in error or you have additional information you wish to discuss, we recommend you contact your Wells Fargo Chargeback representative.

NOTE
If the reason for Chargeback is fraud, consider that direct contact with the Cardholder may not result in resolution. With fraudulent charges, the Cardholder's account was compromised and the Cardholder disputed the charge. If you have reason to believe that the true Cardholder made this purchase and the dispute was an error, then you may consider contacting the Cardholder.

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