The main chargeback reasons look like this: Malicious fraud. Step 1: The cardholder disputes a charge. Chargeback Reason Codes for AMEX. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 10. For more information on these and other updates, check out our complete chargeback reason. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. Typically you will see this return code when a customer revokes authorization for a recurring payment schedule, and you continue to process payments as part of that schedule. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. R05 – Unauthorized debit to consumer account using Corporate SEC code. Reason Code. Not recognizing your billing descriptor on a statement. Kontonummer fehlerhaft (ungültige IBAN) SEPA Reason Code bei: SCT. Documentation must be a direct result of cardholder communication. Some credit card companies also include a short phrase describing the code and chargeback. R13: No Reply: M01: Chargeback Authorization: M10: Vehicle Rental - Capital Damages: M49: Vehicle Rental - Theft or Loss of Use: FR2: Fraud Full Recourse Program: FR4:. R13: Request for Information: Requested Transaction Information Not. This information should be based on the Visa chargeback reason codes assigned to the case. ACH Return Code R61 – Misrouted Return. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Visa Chargeback Reason Code 13. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Chargeback Reason Codes and Descriptions. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). 2=1020 etc. Each card network maintains reason codes to cover all the disputes that qualify for. Discover is a credit card network and an issuing bank—just like American Express. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Reason codes. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. The system does not accept Blank as a value, even if it is defined in the UDC table. 901. Technical. R13 Invalid ACH Routing Number ( formerly: RDFI Not Qualified to Participate ). Duplicate Processing - 81Other Ineligible Transactions Under Reason Code 62, Condition 2 . Credit memo approval ranges cannot overlap for approval limits with the same reason code and currency. Category. Issuer Review; Allocation. The shorthand description is “No Reply. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Step #2 | Report the Scam to PayPal. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRSurvey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. R05 – Unauthorized debit to consumer account using Corporate SEC code. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. A01. Submitted: The response has been sent and the issuer is. Clerical Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Resources. You can't defend the return, but it may be allowed to retry the payment. Most such requests are made to. 4512: Duplicate Processing:What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. R13: Retrieval Response Not Received-Miscellaneous: Discover: 4534 DP: Duplicate Processing: 120: Processing Errors: Discover: 4541 AP:. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. It was originally just one facet of legacy reason code 81. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Codes are not often shared between issuers which means it can be difficult to remember the details of each. 2. Further information at page PSR-564, 11. Scenario 2. But friendly fraud is much more ambiguous. What is Visa chargeback reason code 13. Everyone has had the experience of buying. Inquiry. At Visa they used to receive reason code 98. Articles; Chargeback Reason Codes;. 2. Discover chargeback reason code 7030. Now, 10. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Customer advises not authorized. Fraud. The transaction stands incomplete and funds are not secured. Typical chargeback reason codes are: DA: Disputed amounts. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. . Here are some chargeback reason codes by card type. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. A smarter, simpler way to stop fraud. Claim Adjustment Reason Codes - All . Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Check the chargeback reason code. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. 1 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. In CIE and The Receiver has indicated to the RDFI that the number with MTE entries, the individual ID number is used by the Receiver to identify the account. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. A chargeback happens when a customer requests for a transaction to be reversed. 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. Partners. Once filed, the merchant generally has 20. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. 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. Your firm needs to embrace a customer-centric approach focused on transparency and. Mastercard Chargeback Reason Code 70: Chip Liability Shift. The merchant did not receive any returned merchandise. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Chargeback Code: Type: Inquiry Related Chargeback: R03* Insufficient Reply: R13* No Reply: M01* Chargeback Authorization: Code: Type: Chargeback Programs: FR2: Fraud Full Recourse Program: FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback ProgramMidigator has created a database of reason codes. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. 102. Other Fraud—Card Absent Environment. F22. Acquirer Use of Message Reason Code 7623. R02. Recommend Documents. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. com 14Chargeback Reason Codes All received credit card disputes include a reason code. Below is a list of Mastercard chargeback codes used in eCommerce. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. However, they don’t address the reason why that chargeback was issued in the first place. Once you know why a chargeback happened, you can start building a case to address the claims that were made. This may include: Transaction receipts; Merchant credentials; Customer authorizationThe existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. WEX began issuing chip cards in Q4, 2020. P03 – Credit Processed as Charge. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. 4: Other Fraud – Card-Absent Environment. In most cases, you will have 20-45 days in which to respond to a chargeback. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. 04/09/14 Discover: DC, U02. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. In that way, winning one dispute may help. Reason codes vary by card brand. At Visa they used to receive reason code 98. 45. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. ASE . R41: Invalid Transaction Code: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. ECM monitors first presentment chargebacks regardless of reason code or transaction type. R04 – Invalid account number. Reason code 83 represents a chargeback categorized as. Reason codes are important to help merchants address recurring. R06 – Returned due to ODFI’s request. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. This is commonly caused by either true fraud or friendly fraud. . Updated the following columns - card type, response due date. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. American Express Chargeback Reason Codes American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Now that you know a little more about the meaning behind ODFI and RDFI, here are some of the most common ACH return codes: ACH Return Code. 2023 Consumer Attitudes Towards Chargebacks. A cardholder claims that they did not receive the service or merchandise they ordered. Chargeback Reason Codes Page 3 of 5. Now, compliance cases must be submitted through Visa Resolve Online (VROL). The chargeback notification send by the issuing bank will include the reason code for the chargeback. R-Code. P05 – Incorrect Charge Amount. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Reason Code 02. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. 4 Funding Process. Summary of Changes, 13 December 2018Free Download. Depending on the reason code, you can retry the transaction or take some other action. The shorthand description is “No Authorization. 2: No Authorization. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Timeframe to Initiate Chargeback 120 calendar days from the date of the transaction Representment Rights/ Merchant Action Proof that a Credit which directly offsets the Disputed Charge has already been processed Issuer Required Documentation None Special Notes Inquiry required prior to Chargeback. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. What are reason codes? Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 2. Documentation must be a direct result of cardholder communication. F10* Missing Imprint. 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. Chargebacks were introduced as a form of consumer protection against. Motive: • Numeric value that represents an explanation of the Dispute than can be viewed on the . Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. Chargeback Reason Code . Chargeback reason code 10. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. A02. The chargeback system was designed as a last resort; only to be used in specific situations. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Having a Lax Attitude Toward Industry Rules & Regulations. The transaction amount and authorization number (ARN. 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. 1? Visa chargeback reason code 13. The third digit indicates the specific reason within that category. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Please note that the most common Chargeback reason code for Allocation disputes is 10. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. REASON CODE R13 NON-RECEIPT OF REQUESTED ITEM. You can learn more about each one by visiting the Mastercard Chargeback Guide. UA01 Fraud – Card Present Transaction. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Each bank card network has its owner list of reason codes banks must prefer from. 3. MasterCard: Reason Code 4859 Services not rendered. Retry. Additionally, Amex uses a fifth "Miscellaneous" category. 1 Merchandise/ Services Not Received. P08 – Duplicate Charge. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. Try Shopify free for 3 days, no credit card required. Chargeback Reason Codes. 103. ). 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). 3: Goods or services were not received: C08: RG: 4855: 13. There are several reasons why many merchants turn a blind eye to suspected return fraud. Click on “report a problem” and select the transaction in question. Chargeback fees can start at US$25 and go up from there. Reason Code 12. Here’s how your store can prevent and deal with chargebacks. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. The shorthand description is “Insufficient Reply. 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. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. NEW. 1=1010,. This is an “unauthorized” return code, and will result in your account being assessed the ACH Chargeback Fee. A chargeback filed due to buyer’s remorse is a prime case. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Format of the account number specified is not correct. P07 – Late Submission. Either the acquiring or issuing bank could initiate the chargeback. Chargeback fees can start at US$25 and go up from there. 105. The cardholder alleges they never received the products or services. Visa also overhauled its system of chargeback reason codes. Administrative returns (R02, R03, R04): 3%. ” This code indicates that the cardholder had reason to believe they were going to receive a refund, but no credit to their account has yet been processed. ISO Code. As a result, the bank’s routing numbers. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Include any terms relevant to the transaction, including return, cancellation and. Category. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. 1. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. ISO Name. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. MCC 5815 — Digital Goods: Media (Books,. R01 – Insufficient funds. Friendly fraud. By entering your email, you agree to receive marketing emails from Shopify. One catch is that CE3. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Protect stored cardholder data. A chargeback happens when a customer requests for a transaction to be reversed. All card brands have their own number of codes). All ACH return reason codes consist of the letter “R” followed by two. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. This code tells you why the customer or bank initiated the dispute. for chargeback reason code 4863 (Cardholder Does Not Recognize). If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Visa chargeback reason code 11. . 3: Goods or services were not as described: C31: RM: 13. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. It is subject to change and may not include every currently known dispute reason code. 4853 – Cardholder Dispute – Goods or Services Not Provided. Eligible Chargeback Reason Codes . The merchant did not provide a response to an Amex inquiry within the specific time period. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. These chargebacks occur to resolve chargeback-related disputes between network members. Reason Code. Each code begins with 'R' followed by a two digit number. American Express is incentivized to keep their customers happy. . In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. the requested documentation, your account will be debited. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. The merchant failed to ship the merchandise to the agreed-upon location. Chargeback. #9. This field allows for query by reason code ID which is a unique identifier of the reason. Discover: Reason Code 4755 Non-receipt of goods or services. Only an issuer can initiate the chargeback process. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. When you do the math,. Read the Chargeback Advice letter carefully. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. The transaction stands incomplete and funds are not secured. There are also specific return time frames, which can differ. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. Specify the invoice date and net due date to assign to chargebacks. 2. This means that the available balance isn’t enough to cover the value of the debit Entry. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. REASON CODE R13 NON-RECEIPT OF. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. Overall returns (all codes): 15%. Chargeback. Message. R13 - No Reply. Written by Chargeback Gurus. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. What is Visa Reason Code 13. R07 – Authorization revoked by customer. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 2. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Chargeback reason code. Insufficient funds. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. American Express did not receive a response to an inquiry within the specified timeframe. Subsection5. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. The chargeback reason codes below explain why this happened. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. D. American Express Chargeback Reason Codes Fraud F10 Missing Imprint F14 Missing Signature F24 No Card Member Authorization F29 Card Not Present F30 EMV CounterfeitYour comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Note. Paid by alternate means and card. 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. D. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. This Visa chargeback condition is very common. American Express is incentivized to keep their customers happy. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Visa has recently announced changes to its chargeback rules. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Additionally, Amex uses a fifth "Miscellaneous" category. 60. Unauthorized returns (R05, R07, R10, R29, R51): 0. These are all the known American Express chargeback codes. Chargebacks. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Reason codes are important to help merchants address recurring. 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. Mastercard also considers some chargeback reason codes to be indisputable. 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. Across open networks and include account numbers sent over email, instant messaging, text, or chat. 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. The Challenges of Chargeback Disputing and Delivery;. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. The customer regrets their purchase. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Documentation must be a direct result of cardholder communication. 4 spec (Section 8. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Visa chargeback reason code 75 is filed as an honest mistake. P08 – Duplicate Charge. 6. Here’s how your store can prevent and deal with chargebacks. Retry the transaction. 1. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Non-Consumer *2 Banking Days R22 Invalid Individual ID Number which the Originator was identified is not correct. 10. Mastercard Chargeback Reason Code 71: Disputed Amount. R01 Insufficient Funds. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 5,. Mastercard Chargeback Reason Code 73: Duplicate Transaction. MT9xx. ) A no-nonsense summary of evidence that proves transaction is legit. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. Merchants who believe they have received an invalid chargeback under reason code 13. the Chargeback. The codes also appear on financial reporting associated with disputes. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. R13: Retrieval Response Not Received- for chargeback reason code 4863 (Cardholder Does Not Recognize). P05 – Incorrect Charge Amount. ETAILS. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. This is not a complete list of ACH Return Codes—those related only to government payments, ATMs, ACH credits, paper check conversion, or inter-bank communications have been omitted. .