卡组织争议原因代码

争议原因代码是由发卡行提供的关于争议的2～4位的编码，用于帮助识别争议产生的原因。主流卡组织包括 Visa，Mastercard，American Express，Discover 等都有各自的争议原因代码系统。下面是不同卡组织的争议原因代码以及对应的说明。

Visa

争议原因	原因代码	代码文本
信用未处理	13.6	Credit not processed
信用未处理	13.7	Cancelled Merchandise/Services
重复处理	12.6.1	Duplicate processing
重复处理	12.6.2	Paid by other means
欺诈	33	Fraud analysis request
	10.1	EMV Liability Shift Counterfeit Fraud
	10.2	EMV Liability Shift Non - Counterfeit Fraud
	10.3	Other Fraud - Card Present Environment
	10.4	Other Fraud - Card Absent Environment
	10.5	Visa Fraud Monitoring Program
一般的	28	Request for copy bearing signature
	30	Cardholder request due to dispute
	34	Legal process request
	11.1	Card Recovery Bulletin
	11.2	Declined Authorization
	11.3	No Authorization
	12.1	Late Presentment
	12.2	Incorrect Transaction Code
	12.3	Incorrect Currency
	12.4	Incorrect Account Number
	12.5	Incorrect Amount
	12.7	Invalid Data
	13.8	Original Credit Transaction Not Accepted
未收到产品	13.1	Merchandise/Services Not Received
未收到产品	13.9	Non - Receipt of Cash or Load Transaction Value
产品不可接受	13.3	Not as Described or Defective Merchandise/Services
	13.4	Counterfeit Merchandise
	13.5	Misrepresentation
订阅已取消	13.2	Cancelled Recurring
不合规	C028	Refinancing of an Existing Debit
	C030	Delayed or Amended Charges
	C031	Sold Paper
	C034	Merchant Processed Credit without a Previous Debit
	C035	Merchant Must Process a Reversal If Sale Processed In Erron
	C036	Electronic Commerce Transaction
	C038	T&E Advance Deposit Service
	C045	Dispute Reduction Service Returned
	C048	Split Transaction
	C050	Other, See Attached Documentation
	C071	Prohibitions
	C081	Limits of Fee Collection
	C0135	Improperly Assessed Surcharge

Mastercard

注意

Mastercard的个别争议原因代码会对应多个争议原因。

争议原因	原因代码	代码文本
信用未处理	4860	Credit Not Processed
	4860	Timeshares
	4860	Credit Posted as a Purchase
重复处理	4834	Transaction Amount Differs
	4834	Cardholder Debited More than Once for the Same Goods or Services
	4834	ATM Disputes
	4834	Charges for Loss, Theft, or Damages
	4834	Late Presentment
	4834	POI Currency Conversion (Dynamic Currency Conversion)
	4834	Merchant Credit Correcting Error Resulting in Cardholder Currency Exchange Loss
	4834	Improper Merchant Surcharge (Intra - European and Inter - European transactions only)
	4834	Unreasonable Amount - Intra - European Economic Area (EEA) Transactions Only
欺诈	6341	Fraud investigation
	4837	No Cardholder Authorization
	4849	Questionable Merchant Activity
	4870	Chip Liability Shift
	4871	Chip Liability Shift - Lost/Stolen/Never Received Issue (NRI) Fraud
一般的	6305	Cardholder does not agree with amount billed
	6322	Request Transaction Certificate for a chip transaction
	6323	Cardholder needs information for personal recordds
	6342	Potential chargeback or compliance documentation is requiired
	6343	IIAS Audit (for healthcare transactions only)
	6390	Identifies a syntax error return
	4808	General Chargeback AND General Arbitration Chaargeback
	4807	Deprecated
	4812	Account number not on file
	4859	Addendum, No - show, or ATM Dispute
	4859	German Domestic Rule - Card Acceptor Unwilling or Unable to Render Services
	4859	Addendum Dispute
	4859	No - show Hotel Charge
	4831	Transaction Amount Differs
	4831	Cardholder Debited More than Once for the Same Goods or Services
	4831	Merchant Credit Correcting Error Resulting in Cardholder Currency Exchange Loss
	4842	DEPRECATED: Late Presentment
	4846	DEPRECATED: POI Currency Conversion (Dynamic Currency Conversion)
	4901	Required Documentation Not Received to Support Second Presentment
	4902	Documentation Received was Illegible
	4903	Scanning error - Unrelated Documents or Partial Scan
	4905	Acquirer Reference Data (ARD) Does Not Match ois Invalid
	4908	Invalid Acquirer Reference Data; Documentation Receivved
	4968	bad code - needs investigation
	4840	bad code - needs investigation
未收到产品	4855	Transaction Did Not Complete
产品不可接受	4853	General Defective/Not as Described
	4853	Goods or Services Were Either Not as Describeed or Defective
	4853	Goods or Services Not Provided
	4853	Failed Travel Merchant - Intra - EEA and Domestic European Transac
	4853	Digital Goods Purchase of USD 25 or Less
	4853	Credit Not Processed
	4853	Counterfeit Goods
	4853	Cardholder Dispute of a Recurring Transaction
	4853	Issuer Dispute of a Recurring Transaction
	4853	Addendum Dispute
	4853	No - show Hotel Charge
	4853	Transaction Did Not Complete
	4853	Timeshares
	4853	Credit Posted as a Purchase
订阅已取消	4841	Digital Goods Purchase of USD 25 or Less
	4841	Canceled Recurring or Digital Goods Transactions
	4841	Cardholder Dispute of a Recurring Transaction
	4841	Issuer Dispute of a Recurring Transaction
交易无法识别	6321	Cardholder does not recognize transaction
交易无法识别	4863	Cardholder Does Not Recognize - Potential Fraud

AMEX

争议原因	原因代码	代码文本
信用未处理	A01	Charge Amount Exceeds Authorization Amount
	C02	Credit Not Processed
	C04	Goods/Services Returned or Refused
	C05	Goods/Services Cancelled
	C18	“No Show” or CARDeposit Cancelled
	P03	Credit Processed as Charge
	P05	Incorrect Charge Amount
	061	Credit Processed as Charge
	062	Charge Processed as Credit
	154	Goods/Services Cancelled/Refused
	158	Goods Returned (Request Credit)
	170	Cancelled lodging reservation/CARDeposit not received
	175	Credit Not Processed
	680	Incorrect Charge Amount
重复处理	C14	Paid by Other Means
	P08	Duplicate Charge
	173	Duplicate Charge
	684	Paid by Other Means
欺诈	F10	Missing Imprint
	F24	Multiple ROCS
	F29	Card Not Present
	F30	EMV Liability Shift - Counterfeit
	F31	EMV Liability Shift - Lost/Stolen/Non - Received
	FR2	Fraud Full Recourse Program
	FR4	Immediate Chargeback Program
	FR5	Immediate Chargeback Program
	FR6	Partial Immediate Chargeback Program
	177	Unauthorized Charge
	193	Fraudulent Charge
一般的	A02	No Valid Authorization
	A08	Authorization Approval Expired
	M10	Vehicle Rental - Capital Damages, Theft, or Loss of Usse
	R03	Insufficient Reply
	R13	No Reply
	M01	Chargeback Authorization
	P01	Unassigned Card Number
	P04	Charge Processed as Credit
	P07	Late Submission
	P22	Non - Matching Card Number
	P23	Currency Discrepancy
	M04	Merchant Accepted
	M11	Reversal Due To Credit
	M36	See Notes
	M38	Reversal
	M39	Correct a Previous Transaction
	M42	Reversal Request Too Late
	S01	Reversal Request Denied
	S04	Reversal Request Under Review, Please Wait
	OP1	General
	147	Charge paid by Insurance Company
	169	Charge submitted in an invalid currency
	693	Questioning Charge for Damage/Theft/Loss
	S02	Reviewed Support; Will not be Debiting Account
	S03	Support received
未收到产品	C08	Goods/Services Not Received or Only Partially Received
	004	Product Not Received
	155	Goods not Received (Request Credit)
产品不可接受	C31	Goods/Services Not As Described
	C32	Goods/Services Damaged or Defective
	024	Goods Damaged/Defective
	059	Goods Damaged/Defective (Request Repair)
	063	Product Quality Unacceptable
订阅已取消	C28	Cancelled Recurring Billing
订阅已取消	021	Goods/Services Cancelled/Expired
交易无法识别	127	Unrecognized Charge
	176	Unrecognized Charge (Card Not Present)
	691	Requesting Support

Discover

争议原因	原因代码	代码文本
信用未处理	8002	Credit Not Processed
重复处理	4534	Duplicate Processing
重复处理	4865	Paid By Other Means
欺诈	6041	Transaction Documentation Request for Fraud Analy:sis
	4866	Fraud Chip Card Counterfeit Transaction
	4867	Fraud Chip Card and PIN Transaction
	7010	Fraud Card Present Transaction
	7030	Fraud Card Not Present Transaction
一般的	6021	Transaction Documentation Request
	6005	Transaction Documentation Request Due toCardholder Dispute
	6040	Good Faith Investigation
	4542	Late Presentation
	4550	Credit/Debit Posted Incorrectly
	4553	Cardholder Disputes Quality of Goods or Services
	4586	Altered Amount
	4752	Does Not Recognize
	4753	Invalid Cardholder Number
	4757	Violation of Operating Regulations
	4762	Good Faith Investigation
	4863	Authorization Non Compliance
	6050	Disputes Compliance
未收到产品	4755	Non - Receipt of Goods or Services
未收到产品	4864	Non Receipt Of Cash From ATM
订阅已取消	4541	Recurring Payment

争议处理的最佳实践

在了解争议原因之后，回复争议时，可以参考：不同类别争议回复推荐。