VerifyLive®
VerifyLive on the Shopify App Store

Last updated: April 22, 2026 · v1.0

Excluded Chargeback Reason Codes

This schedule is referenced by Section 7.4.3 of the Merchant Services Agreement. Chargebacks carrying any of the reason codes below are ineligible for reimbursement under the Chargeback Guarantee. VerifyLive will provide at least fifteen (15) days' written notice of any material change to this schedule.

Reserved — not currently offered. The Chargeback Guarantee referenced in this schedule is reserved and not currently offered under the Merchant Services Agreement (see MSA §7.0, effective July 11, 2026). The reason-code exclusions below describe the terms that would apply only if and when a Chargeback Guarantee is expressly enabled in a written Merchant Agreement or order form. Until then, VerifyLive provides real-time fraud detection and an evidence pack you review and submit (RECOVR). There is no recovery fee. No chargeback reimbursement is offered.

1. Subscription & recurring-billing disputes

Disputes arising from the cancellation, non-cancellation, renewal, or billing frequency of a recurring subscription or membership, including:

  • Visa reason code 13.2 — Cancelled recurring transaction
  • Mastercard reason code 4841 — Cancelled recurring or digital goods transaction
  • Amex reason code C28 — Cancelled recurring billing
  • Discover reason code RG — Cancelled or revoked recurring transaction

2. Authorization-related disputes

Disputes arising from authorization failures, declined or expired authorizations, or authorization-limit exceedances, including:

  • Visa reason code 11.1 — Card recovery bulletin
  • Visa reason code 11.2 — Declined authorization
  • Visa reason code 11.3 — No authorization
  • Mastercard reason code 4808 — Authorization-related chargebacks
  • Amex reason code A01/A02/A08 — Authorization code missing, declined, or expired

3. Processing-error disputes

Disputes arising from merchant- or processor-side processing errors that do not reflect a fraud signal the Service was asked to evaluate, including:

  • Visa reason code 12.1 — Late presentment
  • Visa reason code 12.2 — Incorrect transaction code
  • Visa reason code 12.3 — Incorrect currency
  • Visa reason code 12.4 — Incorrect account number
  • Visa reason code 12.5 — Incorrect amount
  • Visa reason code 12.6.1 — Duplicate processing
  • Visa reason code 12.6.2 — Paid by other means
  • Visa reason code 12.7 — Invalid data
  • Mastercard reason codes 4831, 4834, 4842, 4846 — Processing errors
  • Amex reason codes P01–P07 — Processing-error family

4. Credit-not-processed disputes

  • Visa reason code 13.6 — Credit not processed
  • Mastercard reason code 4860 — Credit not processed
  • Amex reason code C02 — Credit not processed

5. Non-fraud regulatory disputes

  • Visa reason code 13.7 — Cancelled merchandise/services (consumer dispute, non-fraud)
  • Visa reason code 13.8 — Original credit transaction not accepted
  • Visa reason code 13.9 — Non-receipt of cash or load transaction value
  • Mastercard reason code 4853 — Cardholder disputes (non-fraud subcategories)

Reason codes not listed above are evaluated against the eleven (11) rejection grounds set forth in Section 7.4 of the Merchant Services Agreement. Fraud, friendly-fraud, non-receipt of goods, and not-as-described disputes on VerifyLive- approved orders are covered subject to the other eligibility rules.

Questions: [email protected]