With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. The shorthand description is “Credit Not Processed. The functionality of the Activity Report presented in greater detail on pages 34-48 in the following guide:. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Chargeback reason code 13. Discover: Reason Code 4755 Non-receipt of goods or services. 47 Reason Code 75: Transaction Not. Acquirer Use of Message Reason Code 7623. 10 Tips to Prevent Fashion Chargebacks. 1. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. The separation of the Return ReasonAs both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. Different card networks have different reason code systems. While the updates have been published, they do not go into effect until Oct. 1=1010, 10. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Each American Express reason code consists of one or more letters, indicating the category, and a number that identifies the. Other reason codes address entirely understandable reasons for cutting a. All 1. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. There are a number of chargeback request codes that need to be submitted with each chargeback request. Reason codes vary by card brand. “Visa has 28 different reason codes. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020. Here’s how your store can prevent and deal with chargebacks. The cardholder may be the customer or the someone who lent their card to a friend or relative. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020. Chapter 2 1. Reason codes. If you believe you have received an ACH return in error, you can contact your bank. The most comprehensive guide to chargeback reason codes. 1. As both a map network and an issuer, Amer Express specifies 34 reason encryption under the category a Fraud, Authorization, Processing Blunders, Card Member Disputes, and Inquiry/Miscellaneous. 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. Reason code 83 represents a chargeback categorized as. ”. The most popular type of disputes of the chargeback category. Thus, the easiest way to prevent chargeback reason code 75 from being. 2 Retrieval Request Reasons and Reason Codes. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. chargebackcodeguide (1) chargebackcodeguide (1) Priya Das. ”. . Reason Code. These are only a handful of common Visa chargeback reason codes. Thanks for following the Chargeback Gurus blog. ). Reason Code. ; Help Center Find answers to common questions about Midigator’s technology,. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. 60 due to merchandise, fees, overhead, and other sources of loss. 3 falls under the “Authorization” category. Reason codes are very crucial to assist. R13 No Reply. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Chargeback. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. 1 Quick Reference Lead. Fraud (10)& Authorization (11)“Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary databases, and our deployment of state-of-the-art technology for tracing cryptocurrency are the strategic advantages that allow MyChargeBack to build the strongest possible case. Check the chargeback reason code. Please refer to chapter 5 for more information. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. By entering your email, you agree to receive marketing emails from Shopify. and the last 4 digits of the card number. Merchants who believe they have received an invalid chargeback under reason code 13. 7: Defective goods and services: C32: RM: 13. Step 1: The cardholder disputes a charge. “American Express Chargeback Reason Codes | Sift”. The U. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. A new 4 byte reason code will be used moving forward. 2. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Most dispute reason codes that. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. legitimate duplicate processing chargeback, do not issue a direct credit to the cardholder - the credit will automatically be applied. Batch chargeback process. 1 – EMV Liability Shift 10. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. com. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. The aforementioned chargeback occurred on January 19, 20. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)You can see a reason code 11. . American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. This chargeback occurs when merchants do not adequately provide currency information. 11, 16. Chargeback reason codes have changed. ©The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. [1] Sift. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. ”. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. However, they don’t address the reason why that chargeback was issued in the first place. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. 3 Changed Discover Reason Codes to match what is shown in the UI. Clerical Services industry for image exchange and the creation of IRDs. And. Try Shopify free for 3 days, no credit card required. 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. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Code 81. Each card issuer follows their own standards for defining reason type, code and its format. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. The terminal action codes are in Table 122 of the 4. 7 Violation for Coercion Claim. Which is meant to know the reason for the dispute. 34 3. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingOnce you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. Discover Chargeback Reason Codes Explained. Chargeback Representment. We say the given reason because it may or may not reflect the true reason. The use of this reason code indicates that the cardholder is claiming they did not participate in the transaction, and American Express believes a counterfeit card was used. The issuing bank will then pass on the chargeback to the merchant. Every chargeback comes with a reason code. 5, and all aspects of chargeback reason codes, with proprietary. 00. 4849 – Questionable Merchant Activity – Mastercard Rule 3. ’For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Unlike other. The Late Presentment chargeback rights and language will be moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-related Chargebacks). This ranges anywhere from roughly 60 to 90 days after purchase. 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. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. 15, 2021. 3. Chargeback reason code 13. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. 4808: This code can refer to: Account Number Not on File. FR4 Immediate Chargeback Program. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. In fact, 91. 100187 and ANSI X9. Merged with new RC 34 0 Transaction amount differs Merged with new RC 34 & Late Presentment Merged with new RC 34 D Correct Transaction Currency Code not provided Merged with new RC 34 . Specify the default reason code to. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Invalid Reasons for a Dispute What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. Chargeback prevention alerts require you to monitor and respond to notifications within a short time frame, usually 24 to 72 hours. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Chargebacks. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. It’s easier to contact their card issuer and file a chargeback—no need to go to you. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. This provided a number of insights into the typical. 4853 – Cardholder Dispute – Credit Posted as a Purchase. 04/09/14 Discover: DC, U02. 196Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. All ACH return reason codes consist of the letter “R” followed by two. 1. 18167 US Highway 19 N Clearwater, FL 33764 877. Please refer to chapter 5 for. 3 No Authorization. Updated August 23, 2023. Use clear and consistent billing descriptors. The initial release of this standard does not add, remove or change any Return Reason Codes. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. The shorthand description is “Goods/Services Returned or Refused. It indicated that the transaction amount wasn't what the cardholder agreed to. NOTE: Domestic Processing Violations are not a covered reason under new Visa chargeback codes. Fraudsters can create counterfeit. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. Payment Transaction Response Codes. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. mastercard chargeback reason code 34. Only an issuer can initiate the chargeback process. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. 11/03/15 Updated these MasterCard. 4859 Addendum, No-show, or ATM Dispute. a bank, credit union, etc. 4 applies to eCommerce, whereas code 10. Otherwise, you'll. American Express specifies 34 reason codes under the browse of Fraud, Authorization, Processing Errors, Card Member Disputes, and. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Initiated On or After 17 July 2020 > Chargeback Message Reason Codes > Second Presentment:. Complicating things further, friendly fraud doesn’t provide you with any red flags. The customer regrets their purchase. UA06 Fraud – Chip and PIN Transaction. ”. 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. Additionally, one clearing transaction. On xx/xx/xxxx, we received a chargeback under the reason code 11. Mastercard Chargeback Reason Code 73: Duplicate Transaction. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. A smarter, simpler way to stop fraud. 34: 0. If the merchant has a signature showing that the order was delivered, or evidence that the. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. There are also a series of dates: Disputed date - This is the date the transaction in dispute took place. The following tables show the Stripe categories for each card network’s dispute reason codes. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Date Option. This may be done by either the merchant or the issuing bank. When a merchant sees this reason code, it means that they presented a transaction to the cardholder’s issuing bank after the deadline for doing so. Chargebacks. 3 falls under the “Consumer Disputes” category. FR4 Immediate Chargeback Program. Code 34 – will be renamed 'Point of Interaction Error' and will be used for the following issues: 31 Transaction amount differs; 34 Duplicate processing; 42 Late presentment; 46 Correct transaction currency code not provided; Issuers have the option of using the existing chargeback reason codes or the renamed code covering a variety of issues. Retrieval Request/ Copy request Reason Codes. he goes on to say he is missing 34 bottles which adds up to a. Mastercard chargeback reason code 4834 falls under the “Point-of-Interaction Error” category. Apparel retailers and suppliers must proactively address chargeback issues. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. ”. This code is used when the cardholder claims that they returned merchandise, but the merchant did not provide them with a refund or replacement. ”. UA02 Fraud – Card Not Present Transaction. ” This reason code is. 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. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. UA02 Fraud – Card Not Present Transaction. 2. The assigned chargeback reason code outlines why a customer submitted the dispute. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. There are over 80 unique return codes, each representing a different return type. The shorthand description is “EMV Counterfeit. The newer system is designed to. Any chargeback that is received without a reason code will be assigned a default code of 53. Terms and conditions. Codes are not often shared between issuers which means it can be difficult to remember the details of each. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Specify the invoice date and net due date that you want the system to assign to chargebacks. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. . This scenario applies when the arbitration was raised by either the. Your firm needs to embrace a customer-centric approach focused on transparency and. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. discover chargeback reason codes. 6: Duplicate processing/Paid by other means. Find out the reason codes, reasons for return, and reasons for rejection, and what the stamps and codes actually mean. And most go about it indirectly. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Reason code 4808 (Authorization-related Chargebacks) addresses disputes involving the timeliness of the presentment in relationship to the authorization. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Specify the default reason code to. Each card issuer follows their own. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. This chargeback reason code was retired by Visa in April 2018. 46 Reason Code 74: Late Presentment. 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). For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. “It’s a lot tougher with Mastercard because they only use four main codes. United States. The shorthand description is “Transaction Not Recognized. Chargeback Reason Codes by Industry. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. 1 - Late Presentment. The shorthand description is “Correct Transaction Currency Code Not Provided. Get access to thousands of. This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. Oftentimes, the reason code assignment is based on limited knowledge and insight. The list of chargeback reason codes in this article. 4. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. R03 Insufficient Reply. New Visa CE 3. Chargeback time frames - A specific period of time during which a chargeback can be raised. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). There are several reasons why an issuer might decline a transaction. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Administrative returns (R02, R03, R04): 3%. Check with the issuing banks to determine what time limits may apply to you. Code 13. 1 to RC 11. Values are: Blank: Use the receipt G/L date. This can provide important information to fight the dispute. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. As a merchant, your focus should be on finding and retaining customers--not chargebacks. The main chargeback reasons look like this: Malicious fraud. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. There are 151 chargeback reason codes across the four major card networks. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 1003 - Transaction Supporting Document (TSD) needed for cardholder’s personal records expense reporting. message. Reason Code Description External Category; 108: The remitter account is debited but the beneficiary account was not credited: Chargeback Raise: 109: The remitter bank customer still disputes that the beneficiary account is not credited: Pre-arbitration Raise: 121: TCC has been raised but the customer still complaining that Beneficiary a/c is. These codes are broken down into five different category. Solutions. 60 due to merchandise, fees, overhead, and other sources of loss. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Here’s how. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. Chargeback reason code. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. The chargeback can be for the total transaction amount or a lesser amount. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Acquirer Use of Message Reason Code 7623. 1: Use the corresponding dates from the invoice. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 2 - Incorrect Transaction Code. A dispute often has a reason code associated with it. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Everyone has had the experience of buying. A chargeback happens when a customer requests for a transaction to be reversed. ”. Date Option. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Also, just like American Express, Discover functions as both a card network and an. For those facing a lower chargeback volume, however, alerts might not provide a positive ROI. 6%. The most comprehensive guide to chargeback reason codes. 33%: Moreover, region-specific laws can also impact chargeback rates. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. ”. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. 5%. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. These chargebacks occur to resolve chargeback-related disputes between network members. 2. A reason code will be provided. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Updated these Discover Chargeback Codes: U05, U06. 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. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. FR2 Fraud Full Recourse Program. Some payment service providers like PayPal and Stripe have their own reason codes as well. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. Analyze your chargeback data. Mastercard Chargeback Reason Code 71: Disputed Amount. American Express chargeback reason code C32 falls under the “Card Member Disputes” category. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 7 Updated format All 1. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. . Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. 3? Visa chargeback reason code 13. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. 9), the acquirer has 24 days to respond to the dispute • For MasterCard, the acquirer has 45 days to respond to the disputeThere are dozens of reasons why cardholders and issuers dispute transactions. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. A chargeback with reason code 4834 may refer to disputes in which the cardholder participated in an ATM cash withdrawal, but claims to have not received part—or all—of. See Reason Codes for more. The chargeback reason code. 03%: AP: 21: 1. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. This reason code is used when the cardholder claims that a transaction charged to their account was actually supposed to be a credit. Each American Express reason code consists of one or more letters, indicating the category, and a number that identifies the. A reason code is how banks categorize the reason for a chargeback. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported.