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Resolve Chargeback Tool — Reason Codes

Visa Reason Code 86


Definition:
Paid by Other Means. A transaction was paid for by an alternate means and also posted to the cardholder's account..

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: Did the cardholder pay for one purchase twice? Once on the credit card and once by another form of payment?

    

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Q: Did the cardholder pay for one purchase twice? Once on the credit card and once by another form of payment?   A: Yes
 
RESULT
To accept a Chargeback no action is necessary on your part, you do not need to respond to this Chargeback.

Tips
  • To prevent Chargebacks, advise the customer that you are issuing them a credit, and credit their account as soon as you realize they were owed money.
  • Never issue a credit after a Chargeback has occurred. In doing so you risk paying the customer twice.

Q: Did the cardholder pay for one purchase twice? Once on the credit card and once by another form of payment?   A: No
 
RESULT
To dispute a transaction for payment by other means, the cardholder should include proof of the alternate payment method with their Chargeback documentation. To represent this Chargeback effectively, review the documentation the cardholder provided for payment by other means and explain why this is not the case.

Tips
  • Be specific in your explanation and provide supporting documentation.
  • Provide the documentation by the due date to preserve your rights.
  • Represent the Chargeback regardless of whether the customer states they will cancel the Chargeback (to preserve your rights).
  • Issue credits to the account used in the purchase and not by check or money order.

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