Protect stored cardholder data. Of course, some of these inquiries will still inevitably progress to the chargeback phase. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 1, 5 January 2016. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. ECM monitors first presentment chargebacks regardless of reason code or transaction type. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 1 EMV Liability Shift 10. Visa Chargeback Reason Codes. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. A reason code is how banks categorize the reason for a chargeback. This definitive tour containing the chargeback reason codes after each of the four major card networks. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Goods / Services Damaged or Defective. The shorthand description is “Late Presentment. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. 1 for Visa, 4842 for Mastercard, and LP for Discover). processed the transaction correctly. Level 4/Phase 4: Arbitration. If the customer’s story matches. Contactless Payment Fraud. There is a USD 25 limit for the First Chargeback (Reason Code 22). M49 Vehicle Rental – Theft or Loss of Use. FRAUD 101. Summary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. In most cases, you will have 20-45 days in which to respond to a chargeback. Request for Information. It is subject to change and may not include every currently known dispute reason code. FR4 Immediate Chargeback Program. Check with the issuing banks to determine what time limits may apply to you. 4800–4999. Chapter 2 1. Arbitration Chargeback Message Reason Code Removed first bullet in Supporting Documents section Arbitration Chargeback. GraphQL Docs & Tools. The implication is that the merchant is at fault. Learn how to handle chargebacks with Mastercard's comprehensive guide for merchants. The most comprehensive guide to chargeback reason codes. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. If you believe you have received an ACH return in error, you can contact your bank. Visa groups its chargeback codes into four. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Mastercard chargeback reason code 4999 falls under the “Point-of-Interaction Error” category. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Reason Code. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingDescription of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. So the company has more incentive to side with customer during cardholder. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. pdf), Text File (. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. . Discover uses unique codes to explain those reasons to merchants. Merchant category codes directly impact chargeback management, too. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Updated these Visa Chargeback Codes: 30, 62, 85. There are two parts to this. 6: Duplicate processing/Paid by other means. Acquirer Use of Message Reason Code 7623. This reason code is used when the cardholder claims that their card was used. Chargebacks Explained;. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 04/09/14 Discover: DC, U02. Collect Compelling Evidence. 1. 190 Acquirer Use of Message Reason Code 7627-No MAC Provided. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. The shorthand description is “Incorrect Account. 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. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. 2: Fraud (10) EMV Liability Shift Non-Counterfeit Fraud: 10. The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. 2. The issuer investigates. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Improper Use of Message Reason Code 4999. 0 only applies to reason code 10. This is commonly caused by either true fraud or friendly fraud. Once you receive this notification, you have 11 days to submit a response. Technical. Code 10. Listed as American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040, customers file fraudulent chargebacks when they believe fraud has occurred. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Paid by alternate means and card. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 196Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. [noun]/* kə • stə • mər • di • spyo͞ot/. 1. EN. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 4: “Other Fraud. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Only an issuer can initiate the chargeback process. Chargeback guide 4 may 2021 189 supporting documents. Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. New Visa CE 3. Be sure you understand the cardholder’s claim. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. Visa chargebacks can be a major inconvenience for merchants. The claim often, but not always, involves automated teller machines (ATMs). Ethoca alerts can prevent chargebacks before they hit your bank account. . While the format of chargeback reason codes varies. Ensure that the digits of the. S. . As part of its. Midigator has created a database of reason codes. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4999 Domestic Chargeback Dispute (Europe) . Typical chargeback reason codes are: DA: Disputed amounts. Read the Chargeback Advice letter carefully. 1. Sobald wir eine Chargeback-Meldung erhalten, leiten wir diese unmittelbar an Sie weiter. Many subscription payment disputes are made under code 13. Chargeback time frames - A specific period during which a chargeback can be raised. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 11, 16. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving 10. Train the staff on how to handle credit, debits, and reversal. There are multiple situations in which this can occur. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. If the order was genuinely not as described, then the cardholder has a case. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. EN. Reason code:. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. That suggests that in the times when merchants are compelled to file a dispute, most of the time they will prevail. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 3. 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. Reference these when rebutting cardholder disputes at your small business. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. The<br /> transaction amount may be charged back one time by the issuer, either as<br /> a full chargeback amount, a partial chargeback amount, or multiple partial<br /> chargeback amounts not to exceed the original clearing message amount. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Sometimes, customers get wrongly debited due. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. ” 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. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. By entering your email, you agree to receive marketing emails from Shopify. The way you manage chargebacks depends on your account setup. non_receipt: The buyer claims they didn't get the goods or services. Merchants can find a. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. 2. . . Choose the representment amount. Chargeback. . Chargeback Reason Codes. The cardholder may be the customer or the someone who lent their card to a friend or relative. The system does not accept Blank as a value, even if it is defined in the UDC table. NEW. Fight; Prevent;. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. 9/7/2022. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. . Section5. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Each reason code has its own set of regulations regarding: Proper and. In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with several. . Deleted Failure to Compare Signature table Compliance Case Filing, Time Frames andIssuer Use of Message Reason Code 7622. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Contactless payment fraud refers to any attempt to make unauthorized purchases using information obtained by hijacking a near-field communication (NFC) -enabled transaction. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. Take the time to note the following dispute reason codes for Visa. Unauthorized returns (R05, R07, R10, R29, R51): 0. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. The customer regrets their purchase. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. It is a valuable resource for anyone involved in the payments industry. 11, 16. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. The chargeback reason codes below explain why this happened. 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. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. . 6: Technical. Do not rely on. 4853 Cardholder Dispute. Each of these situations was given an alphanumeric identification code called a chargeback reason code, which is meant to explain the reason for the dispute. . Chargebacks with the following reason codes are requested due to fraudulent activity. There are dozens of reasons why cardholders and issuers dispute transactions. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. On that note, below are some vendor missteps that could result in Visa reason code 13. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. Try Shopify free for 3 days, no credit card required. Spot these types of chargebacks using the below reason codes. Check the chargeback reason code. Improve chargeback-resolution time. eco_warrior Posts: 563 Forumite. 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. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. This document reflects changes made since the 28 April 2016 publication. In that way, winning one dispute may help prevent the next chargeback to come after it. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. 3. #9. There are also specific return time frames, which can differ. Step 1: The cardholder disputes a charge. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itThose reasons are explained through the corresponding reason codes. If. You can see a reason code 11. Others require banks to wait for a certain period before they can issue a chargeback. Utility Services. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. Visa. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Description of Change Where to Look. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Thanks for following the Chargeback Gurus blog. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. Chargeback prevention strategies vary based on the reason for the. Network Processing ® ©instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. 3:. Each chargeback received a numeric code which is known as the “reason code”. Visa ® has launched the CE 3. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. M10 Vehicle Rental – Capital Damages. Arbitration Chargeback/1442 Message - MasterCard. . With the right compelling evidence,. Then it chooses the most applicable code for a. Updated Visa Reason Codes. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. 1 Quick Reference Lead. 31. . 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. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Note. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. Otherwise, the bank may reject the transaction. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Consult the applicable network’s guidelines for examples of acceptable compelling evidence. MasterCard Chargeback Reason Codes MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors. Improper Use of Message Reason Code 4999. Double-check calculations and transactions before finalizing them. The reason code used to describe the dispute will determine the chargeback time limit. In fact, 91. 6. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. “Late Presentment” is a reason code description for three of the four card brands (reason code 12. 45. 1: 10: Fraud: EMV Liability Shift Non-counterfeit Fraud: 10. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. Category. 2, below. Reason Code Reason Code North-America Reason Description; 4540: F29:. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. Click on “report a problem” and select the transaction in question. Network Processing ® © These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. About American Express chargeback reason codes. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Arbitration Chargeback/1442 Message - MasterCard. PratikZanke. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Try Shopify free for 3 days, no credit card required. 11, 16 November 2015, Elimination. 3. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. many chargeback reason codes that exist today. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. R13 No Reply. Chargeback. Stage 1: First Chargeback. Summary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. These codes are given by the card issuer at the point of time that the customer disputes a given transaction. You must tailor your representment case — including the compelling evidence — to the reason code under. They made a transaction with a counterfeit card at a non-EMV terminal. FRAUD. Reason Codes Category 4: Processing Errors. Additionally, one clearing transaction. This comprehensive guide covers everything from chargeback reason codes to recurring payments and digital goods. Do you want to know how to handle chargebacks as a merchant? Download the Mastercard Chargeback Guide - Merchant Edition, a comprehensive resource that explains the chargeback process, the reasons, the time frames, and the best practices to prevent and dispute chargebacks. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. 11, 16. . VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. FR6 Partial Immediate Chargeback Program. You can learn more about each one by visiting the Mastercard Chargeback Guide. Description: Reason code for applying handling fee. 11, 16 November 2015, Elimination. 11, 16. Level 2/Phase 2: Chargeback. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. Knowing these codes can help you dispute chargebacks more effectively. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. What is a chargeback time limit? The chargeback response. . . Mastercard Chargeback Reason Code 73: Duplicate Transaction. Authorisation. Chargeback Reason Codes All received credit card disputes include a reason code. (11) Authorisation:The Visa Digital Goods Merchant Fraud Monitoring Program is effective as of April 1, 2023. 1 A reason code or a chargeback reason code is a string of symbols (numbers and letters). When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Immediately reverse erroneous or duplicate transactions or issue credits to cancel it. Example: 25. Please note that each card network (MasterCard, VISA, American Express, etc. Chargeback reason codes. 4 Fraud – Card-Absent Environment. The incorrect amount being charged. Credit not processed for cancelled or returned goods and services 2. 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. 3 falls under the “Consumer Disputes” category. Most reason codes apply to any merchant, regardless of what’s being sold. . These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. . Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. However, the return request is invalid, as the customer does not have a. . instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. . The tickets were held at the box office, and no signature, swipe or imprint. There are over 80 unique return codes, each representing a different return type. . 18 May 2019 at 7:58PM. Reason codes are important to help merchants address recurring. Each bank card network has its owner list of reason codes banks must prefer from. A Mastercard chargeback reason code is a code number that’s assigned to one or more specific chargeback issues when a Mastercard is declined. Unlike other. . ” Currently, merchants can already prevent many 10. . Goods or Services Not Provided. These may impact the dispute time limits. Reason codes vary by card brand. Acquirer Use of Message Reason Code 7623. 4999 - Domestic Chargeback Dispute (Europe region only) The issuer may use this reason code when a dispute is possible under domestic rules, but doesn’t meet another chargeback categorisation. Code 4807: Fraudulent Card-Present Transaction. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. The shorthand description is “Domestic Chargeback Dispute (Europe Region Only). Every card brand has a unique set of chargeback reason codes banks must choose from. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Most commonly the payer is a consumer. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 11, 16. MCC 5815 — Digital Goods: Media (Books,. The newer system is designed to. .