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Visa
Current conditions such as 10.1, 10.3, 10.4, 11.3, 12.6, and 13.4, plus historical numbers.
Mastercard
Message reason codes such as 4808, 4812, 4849, 4853, and limited or legacy forms such as 4855, 4859, and 4860.
Adyen
How scheme, event type, CB Reason Code, and Adyen defense requirements fit together.
Stripe
Stripe categories, dispute status, acceptance, evidence, and the response workflow.
What the common code forms tell you
| Label in the notice | What can be said safely | What to check next |
|---|---|---|
| Visa 10.1, 10.3, or 10.4 | Current Visa fraud conditions. The environment and condition name matter: EMV counterfeit, card-present, and card-absent fraud are different cases. | Confirm the condition, transaction environment, claim text, and evidence fields on the acquirer notice. |
| Visa 11.3, 12.3, 12.6, or 13.4 | Current Visa conditions for no authorization/late presentment, incorrect currency, duplicate or alternate-tender claims, and counterfeit merchandise. | Open the Visa reference, then match the condition to authorization, currency, payment, product, and fulfillment records. |
| Visa 30, 53, 72, 80, or 83 | Historical Visa numbers still found in older documents or exports; they should not be presented as the current universal names for a dispute. | Use the Visa page for historical context, then confirm the current condition and claim on the live notice. |
| Mastercard 4808, 4812, 4849, or 4853 | Mastercard message reason forms. Their meaning depends on the message system, transaction type, geography, and dispute stage; MATCH is a separate merchant-screening system. | Preserve the full code and stage, then use the Mastercard reference and the processor's requested evidence fields. |
| Mastercard 53, 55, 4855, 4859, or 4860 | Alternate, limited, or transitional forms documented for particular debit, single-message, ATM, addendum, non-receipt, or credit contexts—not one general chargeback family. | Check the product, message system, geography, and claim before choosing evidence; do not turn a historical form into a current universal label. |
| 104, 1040, 412, C08, C18, AW, CD, IC, NA, P01, RG, RM, R03, 0053, or paid by other means | Not safely mappable from the code or phrase alone in this reference. These may be provider, acquirer, regional, rail-specific, shortened, zero-padded, or alternate-tender labels. | Keep the exact export and surrounding description, identify the provider and payment rail, and reconcile any other tender before asking the processor which current category applies. |
Use the claim to choose the evidence guide
| Processor category | Typical Visa examples | Typical Mastercard examples |
|---|---|---|
| Product not received | 13.1 Merchandise/Services Not Received | 4855 Goods or Services Not Provided (transitional in some flows) |
| Product unacceptable / not as described | 13.3 Not as Described or Defective; 13.4 Counterfeit; 13.5 Misrepresentation | 4853 Defective / not as described |
| Fraudulent / unauthorized | 10.4 Other Fraud — Card Absent; 10.1–10.3 EMV and card-present fraud | 4837 No Cardholder Authorization; 4870/4871 chip liability |
| Credit not processed | 13.6 Credit not processed; 13.7 Cancelled merchandise/services | 4860 Credit Not Processed (legacy in some flows) |
| Duplicate | 12.6.1 Duplicate processing; 12.6.2 Paid by other means | 4834 amount/duplicate family |
| Subscription cancelled | 13.2 Cancelled Recurring | 4841 cancelled recurring / digital goods |
Codes that are easy to misread
- Mastercard 4853 is a broad consumer-dispute family. Stripe maps pieces of it to not-as-described, not-received, credit, and even recurring. Do not pick evidence from the code number alone if Stripe already categorized the case.
- Visa 10.4 is the common card-absent fraud code. Visa Compelling Evidence 3.0, when Stripe flags it, is about prior non-fraud history with that cardholder — not a new kind of delivery proof.
- Visa 10.5 (Fraud Monitoring Program) is described by Stripe as generally not contestable with evidence.
- Unrecognized charges are sometimes their own issuer story. See unrecognized charges.
