Union pay

2024-07-16 07:23

America

Chargeback Categories	Reason Code	Reason	Description
Fraud	UA05	Fraud/Counterfeit Chip Transaction	The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account.
	UA06	Fraud/Chip-and-Pin Transaction	The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal
	UA01	Fraud/Card Present Environment	The cardholder never authorized or participated in a Card Present environment transaction.
	UA02	Fraud/Card-Not-Present Environment	The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment
	UA10	Request Transaction Receipt (swiped card transactions)	The cardholder requests documents for a transaction the cardholder claims was fraudulent (card-present.)
	UA11	Cardholder claims fraud (swiped transaction, no signature)	The cardholder claims this activity was fraudulent (card-present).
Authorization	AT	Authorization Non-compliance	The transaction was not completed in accordance with authorization requirement.
	DA	Declined Authorization	The authorization was declined, but the transaction was processed anyway.
	NA	No Authorization	Authorization was not obtained on the transaction,
	EX	Expired card	The merchant complete transaction after card expiration date.
Processing Error	LP	Late Presentment	The transaction was not processed within the required time-limit.
	CD	Credit Posted as Card Sale	The transaction was processed with an incorrect transaction code.
	IN	Invalid Card Number	The transaction did not receive authorization and was processed using an account number that does not match any on the issuer's master file or an original credit was processed using an account number that does not match any on the issuer's master file.
	AW	Altered Amount	The transaction was processed with an incorrect amount.
	PM	Paid by Other Means	The transaction has already paid by other means.
	DP	Duplicate processing	The transaction was processed more than once.
	PI	Point-of Interaction Error	Other Processing Error
Consumer Dispute	RG	Non-Receipt of Goods or Services	The cardholder claims that merchandise or services that they ordered were not received or that the cardholder cancelled the order as the result of not receiving the merchandise or services by the expected delivery date.
	AP	Canceled Recurring Transaction	A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed.
	RM	Quality Discrepancy	Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder or, if a mail/phone order or online purchase, as described by the merchant or, the merchandise was received damaged, defective or otherwise unsuitable for the purpose sold.
	NC	Not Classified	Cardholder claims an invalid transaction which do not fall under any other classification.
	RN2	Credit not processed	The cardholder received a credit or voided transaction receipt that was not processed.
	IC	Illegible Sales Data	A requested sales receipt was provided but was not legible.
	AA	Cardholder Does Not Recognize	Cardholder does not recognize the transaction
	NF	Non-Receipt of Cash from ATM	The cardholder claims that they did not receive the full cash withdrawal at an ATM.

Other countries

Chargeback Categories	Reason Code	Reason	Description
Fraud	4515	Cardholder Denies the Transaction	The cardholder did not authorize or participate in a transaction.
	4562	Counterfeit Card	The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account.
	4547	Hot Card List	The card was listed on Hot Card List.
	4803	Risk Merchant	The acquirer processed a transaction that was later was listed in Union Pay’s risk list.
	4514	Fraudulent Multiple Transactions	The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction.
Authorization	4522	Declined Authorization	The authorization was declined, but the transaction was processed anyway.
Authorization	4508	Exceeds Limited or Authorized Amount	Authorization was not obtained on the transaction,
Processing Error	4532	Credit not processed	The cardholder received a credit or voided transaction receipt that was not processed.
	4536	Late Presentment	The transaction was not processed within the required time-limit.
	4512	Duplicate Processing	The transaction was processed more than once.
	4806	Paid by other means	The transaction has already paid by other means.
Consumer Dispute	4502	Transaction was Settled but Cash/Goods/Services were not Received	The cardholder claims to have not received (or only partially received) the goods or services ordered.
	4507	Cardholder Dispute- Transaction Amount Differs	The transaction was processed with an incorrect amount.
	4544	Cancelled Transaction	The cardholder claims that the merchant had charged him or her for a merchandise/service that was canceled.