4.4 Message Reason Codes

Not previously authorised

Previously approved authorization where the amount is the same

Previously approved authorization where the amount differs

Previously approved authorization where there is a partial amount and multi-clearing

Previously approved authorization where there is a partial amount and final clearing

Recovered card award fee for the collection of reward for a card acceptor, or financial institution employee when a card has been recovered

Emergency card replacement fee for the collection of fees associated with the Emergency Card Replacement

Not previously authorised

Previously approved authorization where the amount is the same

Previously approved authorization where the amount differs

Previously approved authorization where there is a partial amount and multi-clearing

Previously approved authorization where there is partial amount and final clearing

General or invalid chargeback

Invalid Acquirer Reference Data on chargeback; no documentation required or provided

Non receipt of required documentation to support chargeback

Correct transaction date provided

Invalid Acquirer Reference Data on chargeback; documentation was received

Correct card acceptor location/description provided

Issuer authorised  transaction

Credit previously issued

Chargeback remedied (see corresponding documentation)

Duplicate chargeback

Past chargeback time limit

Requested transaction document provided (requires hardship variance)

Invalid merchant message text

Correct MCC provided

Authorisation advised suspicious

No authorization request required nor attempted

Account was not listed on the applicable warning bulletin as of the transaction date

Documentation received was illegible

Documentation received was invalid/incomplete

Missing documentation is being supplied

Reserved for UK domestic use

Other than required/requested documentation provided

Reserved for UK domestic use

Invalid Chargeback

Chip Liability Shift

Reserved for intra-European use only

Cardholder Denies

Authorisation Declined

Requested transaction data was not received

Requested information illegible or missing

Multiple Processing, Duplicate

Warning bulletin

Requested/required authorization not obtained

Transaction Not Reconciled

Account number was not on file

Transaction amount differs

Duplicate processing

Card not valid or expired

Fraudulent transaction; no cardholder authorization

Fraudulent processing of transaction

Canceled recurring transaction

Late presentment

Correct transaction currency code was not provided

Fraudulent transaction; exceeds floor limit and not authorized

Questionable card acceptor activity

Credit posted as purchase

Cardholder Dispute Defective/Not as Described

Cardholder dispute not elsewhere classified (U.S. only)

Non receipt of merchandise

Card-activated phone transaction

Services not rendered

Credit not processed

Counterfeit transaction; magnetic strip POI fraud

Cardholder does not recognize(potential fraud)

Not valid for domestic UK transactions

Chip Liability Shift

Reserved for intra-European use

General and invalid second presentment. Second Presentment did not remedy First Chargeback

Required documentation not received to support prior Second Presentment

Documentation received was illegible

Documentation received was invalid/incomplete

Invalid Acquirer Reference Data in Second Presentment. Documentation was received or was not required

Missing documentation is being supplied

Other than required/requested documentation provided

Reserved for UK Domestic use

Invalid Acquirer Reference Data in Second Presentment, Documentation was received.

Domestic Chargeback Dispute

Reserved for intra-European use

Lost/stolen telex/phone fee. This is for the collection of stolen report fee and phone or telex costs incurred for taking a lost or stolen card report

Recovered card award fee. This is for the collection of reward for a card acceptor or financial institution employee when a card ahs been recovered

Emergency cash disbursement fee. This is for the collection of fees associated with the handling of emergency cash disbursements to cardholders.

Not valid for intra-European transactions

Compliance ruling settlement. This is for the collection of a compliance ruling settlement amount

Emergency card replacement fee. This is for the collection of fees associated with the Emergency Card Replacement Service (ECR)

Warning bulletin handling fee-issuer originated. This is for the settlement of warning bulletin handling fees in accordance with MasterCard operating rules

Good faith acceptance settlement. This is for settlement of the amount of a good faith acceptance

Collection letter handling fee. This is for settlement of the amount of a collection letter acceptance

Telex authorization fee. This is for collection of fees associated with an international telex authorisation

Investigation fee. This is for fee collection when an investigation report has been completed by an investigating member on behalf of the requesting member.

Retrieval fee reversal. This is for issuer-originate, and is used to reverse a retrieval request fulfillment fee for documents never received or invalid documents.

Note: An issuer would use this code in response to receiving an invalid message from an acquirer containing code 7614,

Retrieval handling fee; issuer-originated. This is used to penalize an acquirer for incorrect information verified by the retrieval request document.

Non-MasterCom fulfillment fee settlement. This is for settlement of retrieval request fulfillment not processed through the MasterCom system

Warning bulletin handling fee (acquirer originated). This is for settlement of warning bulletin handling fees in accordance with MasterCard operating rules.

OR

Handling fee for second presentment of reason codes 4812 and 4835 for chip transactions where transaction certificate and DE 55 are present in the clearing message. Acquirer originated.

Adjustment for promotional transactions

Reversal of previously reimbursed State Fuel Tax. Refer to the MasterCard Government Card Service Guide.

Not valid for intra-European transactions

Emergency card replacement center, cash advance lockbox fee.

Not valid for intra-European transactions

ATM Balance Inquiry Fee

Handling Fee for Authorisation Related Chargebacks (4807, 4808 and 4847). This is for issuer use in a Fee Collection (Handling Fee) message after sending First Chargeback for one of the specified authorization related chargebacks.

Not valid for intra-European transactions

Handling Fee for Authorisation Related Chargebacks (4807, 4808 and 4847). This is for issuer use in a Fee Collection (Handling Fee) message after sending Second Presentment, which indicates that the transaction was authorized.

Not valid for intra-European transactions

Handling Fee for Authorisation Related Chargebacks (4807, 4808 and 4847). This is for issuer use in a Fee Collection (Handling Fee) message after sending Arbitration Chargeback for one of the specified authorization related chargebacks.

Not valid for intra-European transactions

PIN management Service at ATM

For intra-European use only.

Authorisation reversal. This is for acquirer use to advice the issuer of an authorization that needs to be reversed

Failure to provide a merchant advice code in a Fee Collection (Handling Fee) message.

Reclaim surcharge.

This is restricted to intra-European and European transaction-related services.

Installments - Merchant fee for single purchase.

Installments - Merchant fee for aggregated purchases.

Intracurrency agreement settlement; for settlement of amounts in accordance with an intracurrency agreement between transaction originator and transaction destination parties.

Not valid for intra-European transactions

Bilateral agreement settlement. This is for settlement amounts in accordance with a bilateral agreement between transaction originator and transaction destination parties.

Bilateral agreement settlement. This is for settlement amounts in accordance with a bilateral agreement between transaction originator and transaction destination parties.

Bilateral agreement settlement. This is for settlement amounts in accordance with a bilateral agreement between transaction originator and transaction destination parties.

Bilateral agreement settlement. This is for settlement amounts in accordance with a bilateral agreement between transaction originator and transaction destination parties.

MCBS member settlement; for collection or payment of such things as member assessments, processed through the MasterCard Consolidated Billing System (MCSB).

Not valid for intra-European transactions.

MasterCard compliance case filling fee. This is for collection of a member arbitration or compliance case filling fee.

Interchange compliance adjustment. This is for settlement of financial amounts related to interchange compliance.

Interchange compliance adjustment reversal. This is for settlement of financial amounts related to the reversal of a previous interchange compliance adjustment.

ATM transaction settlement; for settlement of daily ATM transaction amounts.

ATM intracountry switch fee settlement. This is for settlement of daily ATM transaction intracountry switch fees.

Not valid for intra-European transactions.

ATM Network Information Control System (NICS) switch fee settlement. This is for settlement of MDS NICS Switch fees.

Not valid for intra-European transactions

ATM intracountry first chargeback settlement; for settlement of daily ATM transaction intracountry first chargeback amounts.

Not valid for intra-European transactions

Reimbursement of State Fuel Tax. Refer to the MasterCard Government Card Services Guided.

Not valid for intra-European transactions

Collection of return of collateral for security arrangement.

Not valid for intra-European transactions

Mexico IVA fees

Not valid for intra-European transactions

Mexico IVA Fees

Not valid for intra-European transactions

Mexico IVA fees.

Not valid for intra-European transactions

Disaster Relief Fund

Not valid for intra-European transactions

MCBS Emergency Borrowing Collection.

Not valid for intra-European transactions

Settlement Adjustment.

Not valid for intra-European transactions

Fraud:

10.1. EMV Liability Shift Counterfeit Fraud

10.2. EMV Liability Shift Non-Counterfeit Fraud

10.3. Other Fraud: Card-Present Environment / Condition

10.4. Other Fraud: Card-absent Environment / Condition

10.5. Visa Fraud Monitoring Program

Authorisation:

11.1. Card Recovery Bulletin

11.2. Declined Authorisation

11.3. No Authorisation

Processing errors:

12.1. Late Presentment

12.2. Incorrect Transaction Code

12.3. Incorrect Currency

12.4. Incorrect Account Number

12.5. Incorrect Amount

12.6.1. Duplicate Processing

12.6.2. Paid by Other Means

12.7. Invalid Data