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Resolve Chargeback Tool — Reason Codes

Visa Reason Code 81


Definition:
Fraudulent Transactions - Card Present Environment. A card present transaction was processed but the transaction receipt was not magstripe read and signed, or imprinted and signed.

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: Are you able to provide a
  • signed and imprinted OR
  • signed and swiped transaction receipt?

    

NOTE
  • If you are a qualified Small Ticket Program merchant, and the transaction was magstripe read, a signature is not required, this Chargeback is not valid and should be represented.
Tips

To prevent code 81 Chargebacks ensure all orders are magstripe authorized and signed by the cardholder. For key entered transactions, be sure to imprint the credit card

Start This Reason Code Over

Q: Are you able to provide a
  • signed and imprinted OR
  • signed and swiped transaction receipt?   A: Yes

 
RESULT
You may have a Chargeback representment right. To represent this Chargeback include
  • A legible copy of the transaction receipt.
Tips
  • 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.
  • To prevent code 81 Chargebacks ensure all orders are magstripe authorized and signed by the cardholder. For key entered transactions, be sure to imprint the credit card.

Q: Are you able to provide a
  • signed and imprinted OR
  • signed and swiped transaction receipt?   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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