> ## Documentation Index > Fetch the complete documentation index at: https://www.cashfree.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Reason Codes and Documents > Refer to Cashfree dispute reason codes and required documents for representment so you can respond to each chargeback with the correct evidence, on time. ## General documents required for the representation of disputes | Document name | Description | | :---------------------------- | :----------------------------------------------------------------------------------------------------------------------------------------------- | | Delivery or service proof | Proof that the cardholder or customer did, in fact, receive the goods or services, such as a signed delivery confirmation. | | Shipping proof | Proof that the address was validated via authorisation and that the goods were shipped to that address. | | Statement of service | Account statement of the wallet where funds were loaded by the customer. | | Proof of service used | Customer acknowledgement of services used in case of a recurring transaction. | | Cancellation of service proof | Document to support that you were able to provide merchandise or service and that the cardholder or customer cancelled before the delivery date. | | Refund proof | Refund details to the customer if done via any other mode. | | Business model explanation | Generic letter elaborating how your business operates once a payment is made by the customer. | | Extra Charges Declaration | Terms and conditions stating the customer would be held accountable for extra charges. | | Terms & Conditions | Terms and conditions elaborating your refund or cancellation policies. | | Customer Withdrawal Letter | Proof stating that the cardholder or customer no longer disputes the transaction, or the issue was resolved with the customer. | | Certificate of Authenticity | Original purchase receipts issued by the manufacturer that show the products you've sold are genuine. | | Reseller Agreement | A legal document that authorises you to sell the manufacturer's products. | ## Dispute reason codes and their categories ### VISA reason codes | Reason code | Description | External category | | :---------- | :--------------------------------------------------- | :---------------- | | 10.1 | EMV Liability Shift Counterfeit Fraud | Fraud | | 10.2 | EMV Liability Shift Non-Counterfeit Fraud | Fraud | | 10.3 | Other Fraud: Card-Present Environment | Fraud | | 10.4 | Other Fraud: Card-Absent Environment | Fraud | | 10.5 | Visa Fraud Monitoring Program | Fraud | | 11.1 | Card Recovery Bulletin | Authorisation | | 11.2 | Declined Authorisation | Authorisation | | 11.3 | No Authorisation | Authorisation | | 12.1 | Late Presentment | Processing errors | | 12.2 | Incorrect Transaction Code | Processing errors | | 12.3 | Incorrect Currency | Processing errors | | 12.4 | Incorrect Account Number | Processing errors | | 12.5 | Incorrect Amount | Processing errors | | 12.6 | Duplicate Processing/Paid by Other Means | Processing errors | | 12.7 | Invalid Data | Processing errors | | 13.1 | Merchandise / Services Not Received | Consumer disputes | | 13.2 | Cancelled Recurring Transaction | Consumer disputes | | 13.3 | Not as Described or Defective Merchandise / Services | Consumer disputes | | 13.4 | Counterfeit Merchandise | Consumer disputes | | 13.5 | Misrepresentation | Consumer disputes | | 13.6 | Credit Not Processed | Consumer disputes | | 13.7 | Cancelled Merchandise / Services | Consumer disputes | | 13.8 | Original Credit Transaction Not Accepted | Consumer disputes | | 13.9 | Non-Receipt of Cash or Load Transaction Value | Consumer disputes | ### MASTERCARD reason codes | Reason code | Description | External category | | :---------- | :----------------------------------------------------------------------------- | :------------------------------------------ | | 4808 | Authorisation related chargeback | Authorisation | | 4834 | Point of interaction error | Point of interaction error | | 4837 | No Cardholder Authorisation | No cardholder authorisation or fraud | | 4840 | Fraudulent processing of transactions | No cardholder authorisation or fraud | | 4849 | Questionable merchant activity | No cardholder authorisation or fraud | | 4850 | Instalment billing dispute | Instalment billing dispute | | 4853 | Cardholder disputes | Cardholder disputes | | 4854 | Cardholder dispute not classified elsewhere (US) | Cardholder dispute not classified elsewhere | | 4855 | Goods or services not provided | Cardholder disputes | | 4860 | Credit not processed | Cardholder disputes | | 4870 | Chip liability shift | No cardholder authorisation or fraud | | 4871 | Chip or PIN Liability Shift-Lost or Stolen or Never Received Issue (NRI) fraud | No cardholder authorisation or fraud | ### AMEX reason codes | Reason Code | Description | External category | | :---------- | :-------------------------------------------------------------------------------- | :--------------------------- | | 4507 | Incorrect charge amount or currency discrepancy | Processing errors | | 4512 | Duplicate charge | Processing errors | | 4513 | Credit not processed or no show | Cardmember dispute | | 4516 | No reply | Inquiry or miscellaneous R03 | | 4521 | Charge amount exceeds authorisation amount or no valid authorisation | Insufficient reply | | 4523 | Unassigned card number | Authorisation | | 4533 | Goods or services not as described or damaged or defective | Processing errors | | 4534 | Missing signature | Cardmember dispute | | 4536 | Late submission | Fraud | | 4540 | Card not present | Processing errors | | 4544 | Cancelled recurring billing | Fraud | | 4554 | Goods or services not received or only partially received C14 paid by other means | Cardmember dispute | | 4750 | Vehicle rental - capital damages | Cardmember dispute | | 4752 | Credit processed as charge | Processing errors | | 4755 | No cardmember authorisation | Fraud | | 4763 | Fraud full recourse program | Fraud | | 4798 | EMV counterfeit | Fraud | | 4799 | EMV list, stolen or non-received | Fraud | ### DINERS reason codes | Reason Code | Description | External category | | :---------- | :--------------------------------------------------------------- | :---------------- | | A02 | Authorisation processing errors | Processing errors | | A06 | Unissued account number | Authorisation | | B24 | Late presentation | Processing errors | | B25 | Duplicate charge | Processing errors | | B26 | Alternate settlement currency incorrect exchange rates | Processing errors | | B27 | Incorrect currency | Processing errors | | C41 | Fraud - Card present transaction | Fraud | | C42 | Fraud - Card not present transaction | Fraud | | C46 | Multiple charges at service establishment fraudulent transaction | Fraud | | C53 | Fraud – chip card counterfeit transaction | Fraud | | C54 | Fraud – lost or stolen chip and PIN card transaction | Fraud | | D61 | Altered amount | Processing errors | | D62 | Non-receipt of goods or services | Consumer disputes | | D66 | Credit not processed | Consumer disputes | | D67 | Cardmember paid by other means | Processing errors | | D69 | Cancelled recurring transactions | Consumer disputes | | D70 | Cardmember does not recognise | Consumer disputes | ### DISCOVER reason codes | Reason Code | Description | External category | | :---------- | :----------------------------------------------- | :---------------- | | 4534 | Duplicate Processing | Processing error | | 4541 | Recurring Payment | Consumer disputes | | 4542 | Late Presentation | Processing error | | 4550 | Credit/ Debit Posted Incorrectly | Processing error | | 4553 | Cardholder Disputes Quality of Goods or Services | Consumer disputes | | 4586 | Altered Amount | Processing error | | 4865 | Paid by Other Means | Processing error | | 4752 | Does not Recognise | Consumer eisputes | | 4753 | Invalid Cardholder Number | Authorisation | | 4755 | Non-Receipt of Goods or Services | Fraud | | 4866 | Fraud Chip Card Counterfeit Transaction | Fraud | | 4867 | Fraud Chip Card and PIN Transaction | Fraud | | 7010 | Fraud Card Present Transaction | Fraud | | 7030 | Fraud Card Not Present Transaction | Fraud | | 8002 | Credit Not Processed | Consumer disputes | ### RUPAY reason codes | Reason code | Description | External category | | :---------- | :------------------------------------------------------------------------------------------------------ | :------------------------ | | 108 | The remitter account is debited, but the beneficiary account was not credited | Chargeback Raise | | 109 | The remitter bank customer still disputes that the beneficiary account is not credited | Pre-arbitration Raise | | 121 | TCC has been raised, but the customer is still complaining that the Beneficiary account is not credited | Deferred Chargeback Raise | | 128 | Chargeback on Fraudulent Transaction | Fraud Chargeback Raise | | 1061 | Credit not processed for cancelled or returned goods and services | Chargeback Raise | | 1062 | Goods and Services not as described / defective | Chargeback Raise | | 1063 | Paid by alternate means | Chargeback Raise | | 1064 | Goods or Services Not Provided / Not Received | Chargeback Raise | | 1065 | Account debited but transaction confirmation not received at the merchant location | Chargeback Raise | | 1081 | Transaction not steeled within the specified timeframes | Chargeback Raise | | 1084 | Duplicate /Multiple Transaction | Chargeback Raise | | 1085 | Cardholder was charged more than the transaction amount | Chargeback Raise | | 1097 | The customer is still claiming that services are not delivered | Pre-arbitration Raise | ### UPI reason codes | Reason code | Description | External category | | :---------- | :--------------------------------------------------------------------------------- | :-------------------- | | 1061 | Credit not processed for cancelled or returned goods and services | Chargeback Raise | | 1062 | Goods and Services not as described / defective | Chargeback Raise | | 1063 | Paid by alternate means | Chargeback Raise | | 1064 | Goods or Services Not Provided / Not Received | Chargeback Raise | | 1065 | Account debited but transaction confirmation not received at the merchant location | Chargeback Raise | | 1081 | Transaction not steeled within the specified timeframes | Chargeback Raise | | 1084 | Duplicate /Multiple Transaction | Chargeback Raise | | 1085 | Cardholder was charged more than the transaction amount | Chargeback Raise | | 1097 | The customer is still claiming that services are not delivered | Pre-arbitration Raise | ### Cashfree Payments internal reason codes | Reason code | Description | External category | | :---------- | :---------------------- | :---------------- | | 1401 | Fraud Transaction | Fraud | | 1402 | Duplicate Processing | Processing Error | | 1403 | Services Not Rendered | Customer Dispute | | 1404 | End Customer Escalation | Customer Dispute | | 1405 | Suspicious Transaction | Fraud |