Network Reason Codes

Overview

This page covers the network reason code carried on every dispute and how each code maps to a CardPaymentDisputeCategory. See Dispute categories for the four category values.

Network reason codes

Every dispute carries a CardPaymentDisputeNetworkReason reflecting the reason the card network gave for the dispute:

Field	Type	Description
code	String	The network-specific reason code.
description	String	Human-readable description of the reason code.

code is the network's own value; description is Highnote's human-readable text for that code. Use category to branch your evidence logic, and networkReason for display and audit purposes.

Visa

Visa organizes its dispute conditions into four numbered categories—Fraud (10), Authorization (11), Processing Errors (12), and Consumer Disputes (13)—that map one-to-one to Highnote's four categories.

Visa condition codes by Highnote category

Visa code	Visa dispute condition	Highnote category
10.1	EMV Liability Shift Counterfeit Fraud	FRAUD
10.2	EMV Liability Shift Non-Counterfeit Fraud	FRAUD
10.3	Other Fraud—Card-Present Environment	FRAUD
10.4	Other Fraud—Card-Absent Environment	FRAUD
10.5	Visa Fraud Monitoring Program	FRAUD
11.1	Card Recovery Bulletin	INVALID_AUTHORIZATION
11.2	Declined Authorization	INVALID_AUTHORIZATION
11.3	No Authorization/Late Presentment	INVALID_AUTHORIZATION
12.1	Late Presentment	PROCESSING_ERROR
12.2	Incorrect Transaction Code	PROCESSING_ERROR
12.3	Incorrect Currency	PROCESSING_ERROR
12.4	Incorrect Account Number	PROCESSING_ERROR
12.5	Incorrect Amount	PROCESSING_ERROR
12.6.1	Duplicate Processing	PROCESSING_ERROR
12.6.2	Paid by Other Means	PROCESSING_ERROR
12.7	Invalid Data	PROCESSING_ERROR
13.1	Merchandise/Services Not Received	CONSUMER_DISPUTE
13.2	Cancelled Recurring Transaction	CONSUMER_DISPUTE
13.3	Not as Described or Defective Merchandise/Services	CONSUMER_DISPUTE
13.4	Counterfeit Merchandise	CONSUMER_DISPUTE
13.5	Misrepresentation	CONSUMER_DISPUTE
13.6	Credit Not Processed	CONSUMER_DISPUTE
13.7	Cancelled Merchandise/Services	CONSUMER_DISPUTE
13.8	Original Credit Transaction Not Accepted	CONSUMER_DISPUTE
13.9	Non-Receipt of Cash or Load Transaction Value	CONSUMER_DISPUTE

For transactions completed on or after 13 April 2024, Visa retired condition 12.1 and folded late presentment into condition 11.3 (No Authorization/Late Presentment).

Mastercard

Mastercard consolidates its chargeback reasons into a small set of message reason codes rather than numbering them by category—each code maps individually to a Highnote category. One code—4860—maps by reason: a credit not processed is a processing error, while a credit posted as a purchase is a consumer dispute.

Mastercard reason codes by Highnote category

Mastercard code	Mastercard chargeback reason	Highnote category
4837	No Cardholder Authorization	FRAUD
4849	Questionable Merchant Activity	FRAUD
4870	Chip Liability Shift	FRAUD
4871	Chip Liability Shift—Lost/Stolen/Never Received Issue Fraud	FRAUD
4808	Authorization-related Chargeback	INVALID_AUTHORIZATION
4831	Transaction Amount Differs	PROCESSING_ERROR
4834	Point-of-Interaction Error	—
4860	Credit Not Processed (includes Timeshares)	PROCESSING_ERROR
4841	Canceled Recurring or Digital Goods Transactions	CONSUMER_DISPUTE
4853	Cardholder Dispute	CONSUMER_DISPUTE
4855	Goods or Services Not Provided	CONSUMER_DISPUTE
4860	Credit Posted as a Purchase	CONSUMER_DISPUTE
4863	Cardholder Does Not Recognize—Potential Fraud	CONSUMER_DISPUTE