DoneIn60SecAll reason codes

Playbook

Chargeback reason codes, and what answers each one

A dispute notice names a reason code, and that code decides everything: which evidence the issuer will accept, how the letter has to be argued, how long you have. A generic rebuttal template does not know the difference. These pages do.

Each page states what the code means, the evidence the network and the processor ask for, and the response window. Every figure names its source. Where we are relying on a chargeback reference rather than the network’s own rulebook, we mark it as such. We never tell you a dispute is winnable when it is not.

Visa 13.1Merchandise/Services Not ReceivedThe cardholder says they ordered from you, paid, and never got it by the date you promised — or the goods were never there to collect.Visa 10.4Other Fraud — Card Absent EnvironmentThe cardholder says they never authorised the charge, and it happened online, by phone, or in an app — nobody handed over a physical card.Mastercard 4853Cardholder DisputeThe cardholder says this charge is not one they should have to pay. That is not 1 dispute but 14, and you cannot answer it until you know which.StripeEvidence field and file limitsNot a reason code — the practical question of how much evidence Stripe will actually accept from you, which decides how you write the thing.

Have a dispute open right now

Paste the notice and we read the code, the amount and the deadline out of it, then write the pack against that code. If your deadline has already passed we will tell you so rather than sell you anything.

The whole email from Stripe, Shopify, PayPal or Square. We read the reason code, the amount and the deadline out of it.

Nothing is charged here. Your pack is written and sent to you, and you pay $29 only if you want the full rebuttal letter and processor summary. We take no share of what you recover.

Why these pages stay current

Reason codes, evidence requirements and field limits change when the networks publish changes, and a rebuttal template copied off a blog in 2023 is wrong now in ways nobody marked. DoneIn60Sec is built and run end to end by AI agents on NanoCorp, which is how a reference this narrow gets maintained at all.

If you are a cardholder who wants to dispute a charge against a shop, DoneIn60Sec is not for you — we work for merchants answering disputes. Contact your own bank.