Issuing dispute codes

Last updated: March 26, 2025

Issuing disputes can have the following statuses and status reasons at the different stages of the dispute lifecycle: chargeback, pre-arbitration, and arbitration.

This page also sets out the response time limits for each dispute reason code.

At the chargeback stage, disputes can have the following status and status_reason codes from the API and in the Dispute Lifecycle Report:

Status	Status reason	Description
`created`	`""`	You successfully created the dispute.
`processing`	`chargeback_pending`	Checkout.com and the card scheme are processing the chargeback.
`processing`	`chargeback_processed`	The card scheme processed the chargeback.
`action_required`	`chargeback_evidence_invalid_or_insufficient`	Checkout.com or the card scheme requires you to provide further evidence.
`action_required`	`chargeback_rejected`	The merchant rejected the chargeback, provided evidence, and sent a representment. Review the dispute and consider the merchant's evidence. To accept the evidence, ignore the representment and the dispute is closed with `lost` status. To reject the representment, escalate to pre-arbitration.
`won`	`chargeback_processed`	The merchant accepted or did not respond to the chargeback within the time limit, so you won the dispute.
`lost`	`chargeback_rejected`	You did not escalate to pre-arbitration within the time limit.
`canceled`	`chargeback_reversed`	You did not create the dispute within the time limit, or you canceled the dispute.

At the pre-arbitration stage, a dispute can have the following status and status_reason codes from the API and in the Dispute Lifecycle Report:

Status	Status reason	Description
`processing`	`prearbitration_pending`	You successfully escalated the dispute and the card scheme is processing the pre-arbitration.
`processing`	`prearbitration_processed`	The card scheme processed the pre-arbitration.
`action_required`	`prearbitration_evidence_invalid_or_insufficient`	Checkout.com or the card scheme requires you to provide further evidence.
`action_required`	`prearbitration_rejected`	The merchant rejected the pre-arbitration. Review the dispute again, and decide if you want to escalate to arbitration.
`lost`	`prearbitration_rejected`	You did not request arbitration within the time limit.

At the arbitration stage, disputes can have the following status and status_reason codes from the API and in the Dispute Lifecycle Report:

Status	Status reason	Description
`processing`	`arbitration_pending`	You successfully requested arbitration and the card scheme is processing it.
`processing`	`arbitration_processed`	The card scheme processed the arbitration.
`won`	`arbitration_processed`	The card scheme decided the dispute in your favor.
`lost`	`arbitration_processed`	The card scheme decided the dispute in the merchant’s favor, and no further action is available.
`lost`	`prearbitration_rejected`	You did not request arbitration within the time limit.

The scheme-specific reason code you provide can alter the standard time limit for raising the dispute as follows:

Reason code	Description	Time limit
`4807`	Warning bulletin file	Within 90 calendar days after the transaction's Central Site Business Date (CSBD)
`4808`	Authorization-related chargeback	Within 90 calendar days after the transaction CSBD
`4812`	Account number not on file	Within 90 calendar days after the transaction CSBD
`4831`	Transaction amount differs	Within 90 calendar days after the transaction CSBD
`4834`	Point-of-interaction error	Within 120 calendar days after the transaction CSBD
`4837`	No cardholder authorization	Within 120 calendar days after the transaction CSBD
`4840`	Fraudulent processing of transactions	Within 120 calendar days after the transaction CSBD
`4841`	Canceled recurring transaction	Within 120 calendar days after the transaction CSBD
`4842`	Late presentment	Within 120 calendar days after the transaction CSBD
`4846`	Correct transaction currency code not provided	Within 120 calendar days after the transaction CSBD
`4849`	Questionable merchant activity	Within 30 calendar days after the transaction CSBD
`4850`	Instalment billing dispute	Within 120 calendar days after the transaction CSBD
`4853`	Cardholder dispute	Within 120 calendar days after the latest anticipated delivery or performance date specified by the merchant This must not exceed 540 calendar days from the first presentment CSBD.
`4854`	Cardholder dispute – Not elsewhere classified (US only)	Within 60 calendar days after first learning about the dispute from the cardholder or within 120 calendar days after the CSBD
`4855`	Goods or services not provided	Within 120 calendar days after the latest anticipated delivery or performance date specified by the merchant This must not exceed 540 calendar days from the first presentment CSBD.
`4859`	Addendum, no-show, or ATM dispute	Within 120 calendar days after the transaction settlement date
`4860`	Credit not processed	Within 120-calendar days after the transaction settlement date However, if the credit receipt or merchant advisement is dated, the 120-calender day chargeback period begins on the date that the credit was issued, the goods were returned, or the services were canceled.
`4863`	Cardholder does not recognize – Potential fraud	Within 120 calendar days after the transaction settlement date
`4870` `4871`	Counterfeit transaction, chip liability shift, chip/PIN liability shift	Within 120 calendar days after the transaction settlement date
`4999`	Domestic chargeback dispute (Europe only)	Within 120 calendar days after the transaction settlement date

Issuing dispute codes

Chargeback statuses

Pre-arbitration statuses

Arbitration statuses

Response time limits