Free chargeback tool
Chargeback symptom checker
You know what the customer said, not the code the bank will use. Pick the complaint and get the likely Visa, Mastercard, American Express and Discover reason code, each with its deadline and how to win it.
A guide to the most likely code. The issuing bank assigns the actual reason code; use this to prepare the right evidence before it arrives.
From complaint to code
Know the code before the bank picks it
Each complaint maps to a specific Visa, Mastercard, American Express and Discover code, each with its own evidence and deadline. Click through to the exact playbook.
FAQ
Frequently asked questions
How do I know which chargeback reason code applies?
Match the customer's complaint to the dispute type. This tool maps common complaints to the likely Visa, Mastercard, Amex and Discover codes, then links to each code's evidence and deadline.
The customer gave a different reason than the bank. Which one matters?
The bank's reason code controls the dispute and the evidence required. Use the customer's story to anticipate it, then follow the code the issuer actually files.
Can one complaint map to more than one code?
Yes. Each card network has its own code for the same situation, and some networks use one broad code. This tool shows the closest match for all four networks.