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Resolve Chargeback Tool — Reason Codes

Visa Reason Code 83


Definition:
Fraudulent Transaction - Card Not Present. The cardholder claims they did not authorize or participate in this transaction.

Q: Was credit processed?

    

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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 a certified Verified by Visa merchant who requested Verified by Visa on this transaction?

    

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Q: Are you a certified Verified by Visa merchant who requested Verified by Visa on this transaction?    A: Yes
 
RESULT
This transaction can be represented with proof of a request for Verified by Visa authentication. If you have not represented a Chargeback with Verified by Visa previously, contact your Chargeback specialist for assistance to ensure you provide all the required data to successfully dispute this Chargeback.

Q: Are you a certified Verified by Visa merchant who requested Verified by Visa on this transaction?    A: No

Q: Did you receive an Address Verification Service (AVS) response of full match "Y"? ("Y" is the Visa value for this response, some systems may translate the Y into a number e.g. a "4" or a text message such as "full match")

    

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Q: Did you receive an Address Verification Service (AVS) response of full match "Y"? ("Y" is the Visa value for this response, some systems may translate the Y into a number e.g. a "4" or a text message such as "full match")    A: Yes

Q: Did you ship the item to the cardholder's billing address?

    

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Q: Did you ship the item to the cardholder's billing address?   A: Yes

Q: Can you provide trackable shipping to the cardholders' billing address ? This would need to show the full street Address, city and state that the item was delivered to.

    

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Q: Can you provide trackable shipping to the cardholders' billing address ? This would need to show the full street Address, city and state that the item was delivered to.   A: Yes
 
RESULT
You may have a Chargeback representment right. To represent this Chargeback include
  • AVS print out showing the "Y" response and the cardholder's billing address
  • Proof of delivery to the cardholder's billing address including the full street address, city and state. If a delivery signature was obtained, include that with the Chargeback representment.
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.

Q: Can you provide trackable shipping to the cardholders' billing address ? This would need to show the full street Address, city and state that the item was delivered to.   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.

Q: Did you ship the item to the cardholder's billing address?   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.

Q: Did you receive an Address Verification Service (AVS) response of full match "Y"? ("Y" is the Visa value for this response, some systems may translate the Y into a number e.g. a "4" or a text message such as "full match")    A: No

Q: Did you receive an address verification response of "U"?

    

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Q: Did you receive an address verification response of "U"?   A: Yes
 
RESULT
If you received an AVS response of "U" (AVS not supported), this Chargeback is invalid. Represent the Chargeback with the authorization detail showing that the AVS response received was "U".

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.
  • Only Visa has enhanced Chargeback rights for AVS "U". MasterCard will allow a fraud Chargeback on a "U" AVS response

Q: Did you receive an address verification response of "U"?    A: No

Q: Did you request the CVV2, and did you receive a CVV2 value of "U"?

    

Tips
  • Don't confuse AVS "U" with AVS "G". AVS "G" represents a Chargeback on a non-US card.
  • We recommend you use a trackable form of shipping


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Q: Did you request the CVV2, and did you receive a CVV2 value of "U"?   A: Yes
 
RESULT
If you requested CVV2 and the response you received was "U", you should have a Chargeback representment right. Represent the Chargeback including a print out of the transaction's authorization response showing the CVV2 response of "U".

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.

Q: Did you request the CVV2, and did you receive a CVV2 value of "U"?   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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