Reason Code 83 applies when a cardholder claims a transaction was fraudulent and the card was not present at the point of sale (e‑commerce, mail‑order, or
Visa chargeback reason code 85, known as “Credit Not Processed,” is used when a cardholder claims that they did not receive a credit for a
Visa Chargeback Reason Code 86, known as “Paid by Other Means,” occurs when a cardholder claims they paid for the transaction using an alternative payment
Key Takeaways for AVS Mismatch What is AVS mismatch: the billing address entered doesn’t match what the card-issuer has on file. Common causes: Typos, outdated
Credit-card testing fraud—also called carding or spinning—is when criminals use automated scripts to run many tiny, low-value transactions on stolen card numbers to see which
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