pdf), Text File (. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Fight; Hinder; Recover; Resources. Based on the information provided, Paymentology will investigate the transaction being disputed. Amex Dispute Codes 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. Dubbed "Compelling Evidence 3. Visa Code # MasterCard Code # Reason. “American Express Chargeback Reason Codes | Sift”. MasterCard and. 1=1010, 10. Authorization. Learning about each of the chargeback reason codes can help you dispute them. 104. This process is called. Info Us; In and. These chargebacks occur to resolve chargeback-related disputes between network members. About American Express chargeback reason codes. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. Tap “>” beside the charge to see an accurate timeline view of the disputed transaction. This can be transaction receipts, proof of. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. 7: Defective goods and services: C32: RM: 13. The newer system is designed to. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. Other Fraud—Card Absent Environment. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. 2: No Authorization Legacy Code: 71. Visa chargeback reason codes. 4 falls under the “Processing Errors” category. Either the acquiring or issuing bank could initiate the. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. 3. Provide exemplary customer service. One catch is that CE3. This chargeback occurs when merchants do not adequately provide currency information. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Once filed, the merchant generally has 20 days to respond to the chargeback. UA02 Fraud – Card Not Present Transaction. At Visa they used to receive reason code 98. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Card Brand. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. Fraud. Chargeback prevention strategies vary based on the reason for the. 1 Card Recovery Bulletin or Exception File. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Administrative returns (R02, R03, R04): 3%. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW. Unauthorized returns (R05, R07, R10, R29, R51): 0. 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. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card. 0 to 5. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Guide to Chargeback Reason Codes. Explanation. Region. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. 3 applies when a cardholder claims a charge—made in a card-present environment—was. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. This definitive guide include the chargeback base codes from each away and four more card networks. Otherwise, the acquiring bank sends a chargeback notification. The win rate for this particular reason code is extremely slim because they generally refer to fraud issues. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. 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 TRR The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Mastercard has plans to follow suit. There are over 80 unique return codes, each representing a different return type. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. 4. Step 1: The cardholder disputes a charge. You can learn more about each one by visiting the Mastercard Chargeback Guide. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Chargeback Reason Coded by Network - 2023 Guide. A01. France saw a drop of roughly 50% during the same period. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. MasterCard does not have an equivalent reason code. 4812 Account Number Not On File. The new reason codes follow a format of two digits, a period, then a third digit. . Your establishment is on an Immediate Chargeback agreement with American Express. Reason Code 53: Not as Described or Defective Merchandise. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andAccording to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. When one cardholder initiates a dispute with their issuing bank, a. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Reason Code 53 Re-presentment Conditions. Use order validation and prevention alerts. 2. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Added the following fields - Store ID, Credit Card Chargeback Reason Code. Review your credit card processor’s policies to understand its chargeback dispute process. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Step 1: Identify the Source. Additionally, Amex uses a fifth "Miscellaneous" category. Scenario 2. Note: Fraud is generally the most common chargeback dispute reason. Technical. Updated the following columns - card type, response due date. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Each bank card network has its owner list of reason codes banks must prefer from. The cardholder does not recognize your name on their statement. Reason Codes Category 4: Processing Errors. 1. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Follow the Rules. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. ”. 103. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Documentation must be a direct result of cardholder communication. Goods / Services Damaged or Defective. Global chargeback volume topped 615 million cases in 2021, and was estimated to cost merchants nearly $117 billion in revenue. A reason code will be provided. 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. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. All chargebacks start with a customer making a purchase in person, in an app, or online. The network plans to reduce response times even further to just 20 days in the near future. Chargebacks. 1. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. 04/09/14 Discover: DC, U02. F02. Number two: Product Not Received chargebacks. Pre-arbitration (pre-arb): When the customer challenges a chargeback won by the business for a second time. Documentation must be a direct result of cardholder communication. Once you know why a chargeback happened, you can start building a case to address the claims that were. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. Depending on the reason code, chargeback disputes may have different time limits. 2. Complete Guide to Visa Compelling Evidence Update CE 3. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. According to the 2022 Chargeback Field Report, global costs associated with chargebacks will have skyrocketed in recent years. It gets worse. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Only an issuer can initiate the chargeback process. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 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. Which is meant to know the reason for the dispute. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 1 Chargeback reason codes There are no common chargeback reason codes in the industry; instead, each card network defines its own reason codes. ’Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Amex Dispute Codes that the transaction was either approved online by the issuer or offline by the chip. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Terms and conditions. There is a USD 25 limit for the First Chargeback (Reason Code 22). What Are Chargeback Reason Codes?. Merchants can find a. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Below is a list of Mastercard chargeback codes used in eCommerce. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. . 2. Updated August 23, 2023. This would be filed using reason code 12. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Learn more about Mastercard chargeback reason codes. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. This code tells you why the customer or bank initiated the dispute. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. By entering your email, you agree to receive marketing emails from Shopify. As a merchant, you face the brunt of chargeback losses. A chargeback is the potential outcome of a disputed credit or debit card transaction. Chargeback. Receive the Chargeback. 3. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. The network hasn't wholly disallowed some old codes. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. MasterCard - 4855 Goods or Services Not Provided. Select the value “open”. Visa groups its various reason codes into several broad dispute categories. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. Discover Chargeback Reason Codes Explained. Goods and services not as described or cardholder received defective goods or services 3. FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback Program: F10: Missing Imprint: F14: Missing Signature: F24: No Cardmember Authorization: F29: Card Not Present:. When card holders discover a criminal accessed their credit card data and used it to make fraudulent purchases, the customer may file a chargeback to recoup their funds. The merchant generates a QR code for the transaction, which the customer scans using the Alipay app on their smartphone to complete the payment. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. Visa assesses the following fines, as specified in the table below, to a U. Or fill in the chargeback form because it seems easier than contacting the merchant directly. 2=1020 etc. Receive the Chargeback. Documentation must be a direct result of cardholder communication. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Once you hear from. FR4: Immediate Chargeback Program: American Express: Inquiry/Miscellaneous: FR6: Partial Immediate Chargeback Program: Discover: Fraud: UA01: Fraud – Card Present. 60 due to merchandise, fees, overhead, and other sources of loss. Download this sample Chargeback Rebuttal Letter. On that note, below are some vendor missteps that could result in Visa reason code 13. The cardholder alleges they never received the products or services. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. Reason codes are important to help merchants address recurring. Try Shopify free for 3 days, no credit card required. The Fintech Times. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. High Level Visa Chargeback Dispute Flow. The shorthand description is “Goods/Services Not as Described. pdf), Text File (. Chargebacks are a major threat to businesses big and small. Expedited Dispute Resolution forms will not be allowed. Reason. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. April 2018_Chargeback Reason Code Encyclopedia. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. At the same time, your account is debited for the chargeback amount, and the. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. FR4:. These fees are nonrefundable, even if the merchant ultimately beats the chargeback. For example, your trading name on the receipt differs to that on their statement. This is a fairly common chargeback reason that can. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Written by Chargeback Gurus. Valid Values/Format: 22 - First Chargeback Handling Fee. for chargeback reason code 4863 (Cardholder Does Not Recognize). 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. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. The goal is to reduce. 1: EMV Liability Shift Counterfeit Fraud: 10. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. 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. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. FR4: Fraud: Immediate Chargeback Program: This is a program that allows American Express to process any dispute immediately as cardholder. 800. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 3. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Additionally, one clearing transaction. Respond to invalid disputes. 4808 Authorization-Related Chargeback. 4807 Warning Bulletin File. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Receiving a damaged product. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Use this guide as a quick resource for Visa chargeback reasons at a. As. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. With the chargeback code in hand, the merchant can now review the transaction. At Visa they used to receive reason code 98. A code that identifies the reason that the write-off occurred. 800. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). The third digit indicates the specific reason within that category. Having a Lax Attitude Toward Industry Rules & Regulations. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. We've produced some changes to our API You're viewing documentation with his latest API. A01 | A02 | A08. AT Authorization Noncompliance. The cardholder initiates contact with their bank or credit union to file a dispute. Partnerships; Integrations; About. Once filed, the merchant generally has 20. Chargeback reason code. Description. FAQ: What remains Chargeback Representment? TIPS. Supporting Documents You could potentially reverse a Chargeback by providing the necessary supporting 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. 1. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Prevented; Recover; Tools. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The cardholder does not recognize the Merchant. View the entire list of reason codes below or search. Chargeback Reason Codes by Network - 2023 Orientation. Expedited Dispute Resolution forms will not be allowed. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. Visa Reason Code 13. Visa has recently announced changes to its chargeback rules. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Another downside is that chargebacks on annual subscriptions. ”. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. 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. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. 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. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. 0. Discover uses unique codes to explain those reasons to merchants. You can check on the status of your dispute by following these steps: Login to your Chime mobile app. 4 –. Technical. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Category. Stage 1: First Chargeback. There are multiple situations in which this can occur. Chargeback /Dispute; Merchant Response. Visa ® has launched the CE 3. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. MASTERCARD. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. A “No Authorization” code chargeback can also be the. 101. If you're contesting a chargeback, you'll need solid evidence. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Fine Period - month 2 or 3. UA01 Fraud – Card Present Transaction. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Each network’s reason codes, however, can beWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 104. The terminal action codes are in Table 122 of the 4. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. 0" or CE3. Scenario 1 — upfront chargeback. These are all the known American Express chargeback codes. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. A08 Authorization Approval Expired. Assemble Your Evidence. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. These codes are broken down into five different category. FAQ: What is Chargeback. Write customer-friendly policies. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. May 2011: 5. 1 Goods and Services Related Issues 1. 5%. Merchants who believe they have received an invalid chargeback under reason code 13. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. The merchandise was as described or was not defective. In simple terms, a payment dispute is simply a disagreement between a cardholder and a merchant about a charge. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. 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. Issuer Review; Allocation. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Chargeback. It is a valuable resource for anyone involved in the payments industry. A chargeback happens when a customer requests for a transaction to be reversed. The shorthand description is “Late Presentment. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. txt) or read online for free. American Express. This list was generated 5/4/2022. 3 No Authorization. Chargeback reason code 10. Reason codes. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. This extra step can be frustrating for Card Members and lead to lost sales. 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. 3. for chargeback reason code 4863 (Cardholder Does Not Recognize). A02 No Valid Authorization. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. Updated August 23, 2023. The system does not accept Blank as a value, even if it is defined in the UDC table. 0, these guidelines guarantee merchant protections from certain categories of disputes. 4. ”. Here’s how. 11. Visa - 13. You should be. Chargeback. most common reason codes for recurring merchants include: 7. S. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. Code. 5 Categories of Visa Chargeback Reason Codes.