Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. MASTERCARD Reason Code Description. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. F24. Paymentology will submit the chargeback using the appropriate chargeback reason code. 48. But, merchants should be aware that, eventually, everyone will be required to use the new designations. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Accepting non-matchingHow many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Fraudulent. In that way, winning one dispute may help prevent the next chargeback to come after it. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardMastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. 75 for every $1. ECM monitors first presentment chargebacks regardless of reason code or transaction type. As a merchant, you face the brunt of chargeback losses. . To help you identify what happened, look up the code you received for the dispute below. 9808 info@chargebacks911. 4854 Cardholder Dispute—Not Elsewhere Classified (U. “Visa has 28 different reason codes. (Amex) No cardmember authorization. 4. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. CARDeposit is a long-running American Express program. 4% decrease: Algeria: 3. 37. M01 Chargeback Authorization. 3 –. Merchants can find a. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. The chargeback can be for the total transaction amount or a lesser amount. Overall returns (all codes): 15%. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. 3 Changed Discover Reason Codes to match what is shown in the UI. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. UA02 Fraud – Card Not Present Transaction. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 1 applies when the issuing bank receives the same transaction more than one time. Most dispute reason codes that. The most comprehensive guide to chargeback reason codes. Of course, CNP fraud explicitly targets eCommerce merchants, as all online transactions are card-not-present. Chargeback Reason Codes All received credit card disputes include a reason code. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. 42. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. Choose “chargeback and inquiry status” from the drop-down menu. 0 rule changes take effect April 15,. Visa chargebacks can be a major inconvenience for merchants. For educational purposes, here is an overview of the general chargeback process with most major processors: Step 1: A purchase occurs – All chargebacks start with a customer making a purchase, either in-person, in-app or online. Solutions. If the dispute is successful, funds are taken from your merchant account and a strike is made against your business. Cause. Chargebacks. Chargeback amount is equal to or less than the exceeded limited /authorised amount. Download this sample Chargeback Rebuttal Letter. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. If you did not receive the email, open Mave, Wave’s automated chatbot, and. Merchants will no longer receive a credit when the First Chargeback Response is sent to the issuing bank for review; however, an. This cannot change once the value is set. Description. CNP attacks accounted for roughly 40% of all criminal fraud instances in the US. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Eventually the existing chargeback reason codes won't be used and will be removed from this guide. This specific code applies when a cardholder reports that the actual merchandise received was counterfeit, and can back up that claim with documentation from a reliable, professional third party. 4860 Credit Not Processed. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. 11, 16. Now, 10. paper processing and mailing costs. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 4: Fraud—Card-Absent Environment. This reason code is used when a cardholder is claiming that a merchant has processed multiple unauthorized transactions against their Visa card. The issuer reviews the case, assigns a reason code, and initiates the chargeback. mastercard dispute form. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 4855. Chargeback The cardholder acknowledges they engaged in a transaction yet is unhappy, dissatisfied with the experience or tried to cancel in advance and is attempting to be refunded. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Message. Visa chargeback reason code 12. The implication is that the merchant is at fault. ’Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Visa chargeback reason code 11. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. For example, a code might cite a high utilization rate of available credit as the. It gets worse. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. . 3: Goods or services were not as described: C31: RM: 13. Reason Code Description 4750 AL Airline Transaction Dispute 4541 AP Recurring PaymentChargeback reason codes. compliance process depending on whether a chargeback right exists. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Review your credit card processor’s policies to understand its chargeback dispute process. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. Reason code 83 represents a chargeback categorized as Fraud – Card Not Present (CNP) Transaction. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. 13. Below are some examples of more common reason codes. Step 1: Identify the Source. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 3 falls under the “Consumer Disputes” category. However, Visa is the largest card brand in both the United States and the world. Encrypt transmission of cardholder data. 196 Reason Codes Category 4: Processing Errors. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. 4 Funding Process. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. 7? Visa chargeback reason code 13. 6%. 11, 16. Visa chargeback reason code 85 falls under the “Consumer Disputes” category. 1: goods not received. Accessed October 31, 2022. Ready to Start Preventing. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. Follow the Rules. Reason code 4870 refers to the broad category designated “No Cardholder Authorization. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. From there, the merchant can look up the code to figure out what the dispute is about. According to Nuapay, UK businesses saw payment decline rates increase by an average of 37% following the enforcement of SCA rules. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. . You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. 54 - Expired Card. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Chargeback reason codes identify the general reason behind a chargeback. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. It supports recurring payments. Everyone from processors and card brands to local and federal governments has rules about how payments should be handled. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Learn more about Visa reason codes. EMV has been a mostly global standard since 2004. In the case of friendly fraud, that reason could be completely invalid and. One of the most common chargebacks that are being filled by cardholders across the globe, is the “fraud related chargeback. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. If you win the case, the disputed amount will be returned to you; if you lose or accept the. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Chargeback time frames - A specific period during which a chargeback can be raised. 4835. M49 Vehicle Rental – Theft or Loss of Use. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. . The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) No cardholder authorization. The reason_description field lists the chargeback reason. For perspective, the next highest. How to create an eSignature for the mastercard reason codes the complete merchants guide. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Availability. Only use EMV-compliant terminals. 1Braintree Support Articles. Issue a refund because they don’t accept returns, but they failed to communicate this policy to the customer clearly. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 4: Other Fraud–Card-Absent Environment. S. 4 chargebacks. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. These companies can also handle the entire representment process. This code tells you why the customer or bank initiated the dispute. Status Details: We have reviewed the case. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Here are some chargeback reason codes by card type. Build & Submit a Representment Case in 4 StepsEach chargeback comes with a code that designates the reason it was filed. without a reason code will be assigned a default code of 1. And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. • For Visa Allocation reason codes (RC 10. ”. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. The reason code specifies why the chargeback was initiated. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Analyze your chargeback data. Reason Code. Visa Chargeback Codes — removed retired codes. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andVisa Chargeback Life Cycle. 51 - Insufficient Funds. “American Express Chargeback Reason Codes | Sift”. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 11, 16 November 2015, Elimination. Chargeback reason code 12. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. What is Visa Reason Code 13. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The initial release of this standard does not add, remove or change any Return Reason Codes. The main chargeback reasons look like this: Malicious fraud. This ranges anywhere from roughly 60 to 90 days after purchase. Thanks for following the Chargeback Gurus blog. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400:. As we touched on earlier, chargebacks can happen due to technical errors. In fact, 91. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. 10. Reason code 37 chargeback For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Nevertheless, you must respond to the chargeback based on the given code. Many subscription payment disputes are made under code 13. To help you identify what happened, look up the code you received for the dispute below. Values are: Blank: Use the receipt G/L date. Administrative returns (R02, R03, R04): 3%. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. Mastercard. At this point, funds are not yet deducted from your account, but a NoC always indicates that your account will be debited for the chargeback amount. Step 2: Customer initiates the chargeback. Phone cases, chargers, and other accessories commonly fall into this category, as technology updates or broken devices may cancel out the need for an item. Specifically, these updates only pertain to transactions that are charged back after Oct. A chargeback happens when a customer requests for a transaction to be reversed. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. ) A no-nonsense summary of evidence that proves transaction is legit. There are plenty of reasons as to why this would happen, hence the many. 48. The network hasn't wholly disallowed some old codes. 37 = forged and counterfeit warranty breach. 10. Eligible Chargeback Reason Codes . ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Acquirer Use of Message Reason Code 7623. These are only a handful of common Visa chargeback reason codes. ”. What is Visa Reason Code 11. In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. This can be transaction receipts, proof of. According to a study released by Juniper Research, ecommerce businesses were projected to lose roughly $20 billion in 2021 due to fraud, an 18% increase over the $17. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. There are several reasons why many merchants turn a blind eye to suspected return fraud. Other Fraud – Card-Absent Present Environment. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. The following tables show the Stripe categories for each card network’s dispute reason codes. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. 2. Ensure that the digits of the. This involves the cardholder’s bank serving as a mediator, rather than eBay. Once you receive this notification, you have 11 days to submit a response. Along with that are many other eccentric rules and regulations for merchants. The chargeback process can last from one month to six months. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. 4 (1040) (Visa) Card-not-present fraud: F24. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. For example, a debit may have been processed instead of a credit, or a credit processed instead. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. ; Help Center Find answers to common questions about Midigator’s technology,. 7 falls under the “Processing Errors” category. If a merchant does not submit the required pieces of compelling evidence, it is unlikely that the card brands will rule in the merchant’s favor. There are two parts to this. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. About American Express chargeback reason codes. Try Shopify free for 3 days, no credit card required. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Paymentology will submit the chargeback using the appropriate chargeback reason code. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that the transaction was submitted with an. ; Resources. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Reference these when rebutting cardholder disputes at your small business. 6 General update and rebranding. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Cancelled Recurring. 3. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. The cardholder may be the customer or the someone who lent their card to a friend or relative. The following are some examples: Visa Reason Code 13. 4808: This code can refer to: Account Number Not on File. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. The first thing to understand is that not all chargebacks are the same. 4512:Chargeback reason code 13. Reason Code 03. The incorrect amount being charged. FR6 Partial Immediate Chargeback Program. 01/2099. Ready to Start Preventing. 60 due to merchandise, fees, overhead, and other sources of loss. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 4835. The shorthand description is "'No Show’ or CARDeposit Canceled. ). It can range from 60 to 120 days from the billing date. 1: Use the corresponding dates from the invoice. It is associated with a chargeback reason code, and it is specific per Card Scheme. Business Tips (37) Card-not-Present (6) CBD (41) Chargebacks (29) Check Processing (98) Credit Card Processing (64) eCommerce (60) Fees (26) Firearms (16). The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. If you do perform a key-entered transaction, make a manual imprint of the card. UA06 Fraud – Chip and PIN Transaction. Receive the Chargeback. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Visa Merchant Official Documentation. American Express chargeback reason code C18 falls under the “Card Member Disputes” category. What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 1? Visa chargeback reason code 12. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. F01. The mapping is defined by the scheme/institution. These codes are currently defined within the ANSI X9. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Choosing what compelling evidence to submit. Always ask for authorization regardless of the transaction amount. This can provide important information to fight the dispute. A chargeback can happen when a customer initiates a transaction dispute. Chargeback Reason Code. Cardholder-Activated Terminal (CAT) 3 Device. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 100187 and ANSI X9. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 100- 140 standards- , and will be removed in future releases. . 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 04/09/14 Discover: DC, U02. Expedited Dispute Resolution forms will not be allowed. Because there are many reasons for which customers may file a chargeback, Discover issues an accompanying chargeback reason code with each chargeback. The reason code. REQUEST A DEMO. Reason Code 37 not allowed when merchant supports UCAF: 100007: 400* INVALID_REQUEST: Reason code 37 is not allowed for AFD transactions with CAT Level 2. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing Chargeback reason codes. Click “add filter”. What is chargeback reason code 37? No cardholder authorization (37) What is a reason code? Reason codes, also called score factors or adverse action codes, are numerical or word-based codes that describe the reasons why a particular credit score is not higher. Select the value “open”. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). A reason code helps explain why a transaction was disputed. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Always print and double-check the account number on all phone and mail orders. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. Discover is a credit card network and an issuing bank—just like American Express. Every chargeback comes with a reason code. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. With the chargeback code in hand, the merchant can now review the transaction. Below is a list of Mastercard chargeback codes used in eCommerce. 2. 15, 2021. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. A credit card dispute, also known as a credit card chargeback, occurs when a customer disputes a transaction with their issuing bank. During this process, the representative of the institution examines the reasons’ list. See more10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. So don’t spend another second worrying about chargebacks. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback.