Free reason-code reference
Start with the code on your dispute notice.
Choose both your card network and exact code.
Your payment processor's notice identifies the network, reason code, and response deadline. Use that exact information to focus your response on the issue the cardholder raised.
Search the reference
Look up your reason code
Select the network and enter the code exactly as it appears in your processor's dispute notice. The code field suggests documented references for the selected network.
See how a match looks: view the Visa 13.1 example.
Informational only—not legal advice. Network rules and processor procedures may change. Your processor's notice and portal are the source of truth.
Public code coverage differs by network and region. This catalog includes the documented Visa, Mastercard, and U.S. American Express entries listed in its source notes. Discover's public merchant materials reviewed do not provide a complete general dispute-code catalog, so Discover codes are not guessed or included here. Confirm your processor's current notice and portal instructions.
Read the notice before gathering evidence
- 1
Confirm the card network and exact code
Similar disputes can use different codes across networks. Copy the code and description from the notice instead of relying on a generic code list.
- 2
Check the deadline and requested response
Your processor sets the response window and submission requirements. Follow the instructions in the dispute portal.
- 3
Match each claim with relevant records
Choose clear, dated records that address the specific reason shown. More documents are not automatically better; relevance and legibility matter.
Records merchants often gather
What helps depends on the reason code and the processor's rules. Start with records tied directly to the order:
- The original order, invoice, or service record
- Proof of delivery, fulfillment, or service completion
- Relevant customer messages and support history
- The refund, cancellation, and subscription terms shown at purchase
Network rules and evidence requirements can change. Treat your processor's current notice and portal instructions as the source of truth.
Ready to organize your response?
Bring your dispute notice and order records. No integration is needed.