See moreAmerican Express chargeback reason code P01 falls under the “Processing Errors” category. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. R03 – Unable to locate account or no account. 4 Other Fraud Card Absent. Essentially, even a $50 chargeback can become $125 with all the extra fees. 1. 3? Visa chargeback reason code 13. None, although there is a $0. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. A reason code is how banks categorize the reason for a chargeback. S. This provided a number of insights into the typical. Click “filter orders”. S. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The R01 ACH return code simply means that the bank account you requested payment from didn’t have the funds necessary to cover the payment. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. Reason Code. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason code, price, billing cycle, and lag time (amount of time between the transaction and the dispute). 4. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Chargeback Reason Code . 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. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. A reason code or a chargeback reason code is a string of symbols (numbers and letters). The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. These codes can help a merchant with an inquiry or chargeback reversal. 2. Once filed, the merchant generally has 20 days to respond to the chargeback. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Amex Dispute Codes Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. Many subscription payment disputes are made under code 13. eCommerce. Technical. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. 4859 Addendum, No-show, or ATM Dispute. On that note, below are some vendor missteps that could result in Visa reason code 13. In that way, winning one dispute may help prevent the next chargeback to come after it. Now, those unrecognized disputes are often. Reason Code Number. Encrypt transmission of. Oftentimes, the reason code assignment is based on limited knowledge and insight. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. WEX began issuing chip cards in Q4, 2020. Chargeback. 9% with at least 100 total disputes. Below is a list of Mastercard chargeback codes used in eCommerce. Ready to see. P01: Unassigned C/M Account Number:. Amex. By entering your email, you agree to receive marketing emails from Shopify. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time. 3. UA06 Fraud – Chip and PIN Transaction. Commonly selected actions include Dispute/Reverse Chargeback or Accept Chargeback. When a SEPA chargeback occurs, we will notify you by sending a webhook. S. Discover uses unique codes to explain those reasons to merchants. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. 1 Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 1: 10: Fraud: EMV Liability Shift Non-counterfeit Fraud: 10. The cardholder alleges they never received the products or services. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. A chargeback happens when a customer requests for a transaction to be. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. One catch is that CE3. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. UA05 Fraud – Chip Counterfeit Transaction. 10. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. Select a tab to see the possible. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. These chargebacks occur to resolve chargeback-related disputes between network members. Here’s how your store can prevent and deal with chargebacks. The third digit indicates the specific reason within that category. Once filed, the merchant generally has 20 days to respond to the chargeback. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Here are the two possible scenarios: 1. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Specify the default reason code to. Select the value “open”. 1 Goods and Services Related Issues 1. chargeback: The buyer filed a chargeback with the credit card issuer. EMV has been a mostly global standard since 2004. 99. 15, 2021. For example, 'R04' indicates that an invalid account number was. American Express Chargebacks / Disputes. In short, chargebacks are costly. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Reason code Description; P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect Charge Amount: P07: Late Submission: P08: Duplicate Charge: P22: Non-Matching Card Number: P23: Currency Discrepancy M01 — Chargeback Authorization. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Unassigned Card Number. P22 – Non-Matching Card Number. Reason Code 12. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. The chargeback reason code. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. (Visa chargeback reason code 10. Once filed, the merchant generally has 20 days to respond to the chargeback. There are two types of invalid chargebacks. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. The EFTA was first enacted in 1978. Apparel retailers and suppliers must proactively address chargeback issues. 6 Processing Transactions 7 Processing Transactions Swiping a Card Before swiping, make sure the stripe is facing the reader. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. 16, 2021. Each credit card network has its own list of reason codes banks must choose from. Description: Reason code for applying handling fee. 3: Goods or services were not received: C08: RG: 4855: 13. ” -This reason code is. 3: Goods or services were not as described: C31: RM: 13. At Visa they used to receive reason code 98. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. To help you identify what happened, look up the code you received for the dispute below. The merchant generates a QR code for the transaction, which the customer scans using the Alipay app on their smartphone to complete the payment. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. A chargeback is the potential outcome of a disputed credit or debit card transaction. 7. 4. Those reasons are explained through the corresponding reason codes. Fraudulent Activity. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. This webhook contains: pspReference: Adyen's unique reference associated with the payment request. R05 – Unauthorized debit to consumer account using Corporate SEC code. While the format of chargeback reason codes. Every time a merchant processes a transaction, they are supposed to send an. Amex. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Technical. The reason codes are grouped into several broad. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. 2. Not recognizing your billing descriptor on a statement. Visa has recently announced changes to its chargeback rules. 1 – EMV Liability Shift 10. Early Warning: Reaching a chargeback ratio of 0. 800. Chargeback Prevention Alerts Reset my arguments quickly before it become chargebacks. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Thanks for following the Chargeback Gurus blog. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Stage 1: First Chargeback. Discover - UA02 Fraud – Card Not Present Transaction. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. 4. The tickets were held at the box office, and no signature, swipe or imprint. Reason Code 03. 800. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. 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. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. Spot these types of chargebacks using the below reason codes. P04. By entering your email, you agree to receive marketing emails from Shopify. France saw a drop of roughly 50% during the same period. After twelve months in either the Standard or Excessive programs, Visa may exercise their right to cut off the merchant’s ability to process Visa payments. Common return codes in this category include:Step #2 | Report the Scam to PayPal. Chargeback fees can start at US$25 and go up from there. 7: Defective goods and services: C32: RM: 13. Time Limit (Issuer/Cardholder) 120 Days. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Visa chargeback reason code 75 is filed as an honest mistake. 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. US and Canada. Processing Errors. The chargeback process can last from one month to six months. . Reversal. 5 under Visa Claims Resolution). Chargeback reason codes. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Also, remember that the time frame for your response includes any processing required by the acquirer. 0 only applies to reason code 10. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Incorrect Charge Amount. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. If a payment is unsuccessful, PayPal usually gets the return message from the ACH. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. P01. All online retailers have to deal with at least some false positives. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 5%. 1 Authorisation . Click on “report a problem” and select the transaction in question. George here doesn’t remember how many drinks he has had, but if the merchant were able to submit all the documents relating to the charge, the chargeback would be reversed. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. . Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Scenario 1 — upfront chargeback. 634. In this scam, a scammer sends a message to their victim. With that said, you still need to understand the reason codes with any chargebacks from Amex. The reason code used to describe the dispute will determine the chargeback time limit. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Message. The cardholder may be the customer or the someone who lent their card to a friend or relative. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. MasterCard does not have an equivalent reason code. Your firm needs to embrace a customer-centric approach focused on transparency and. Categories for reason codes have changed over the years, especially because of the increasing number of. The merchant authorizes Amex to process a chargeback for the transaction in question. Visa chargeback reason code 11. . Representment Documentation. Many of the merchant errors that result in chargebacks occur during transaction processing, where an errant keystroke or a procedural oversight can lead. 3. Code. Q. 101. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. chargeback management with an easy to use online system. 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. 3: Goods or services were not received: C08: RG: 4855: 13. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. [1] Sift. Reason Code P01: Unassigned Card Number. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. There are several types of chargeback reason codes that can be used, including the following: 1. P03 – Credit Processed as Charge. 5 Categories of Visa Chargeback Reason Codes. Solutions. A reason code helps explain why a transaction was disputed. 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 andA TC40 data claim occurs when a customer makes a fraud claim against a merchant. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. 2. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. This information should be based on the Visa chargeback reason codes assigned to the case. 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. Merchants who believe they have received an invalid chargeback under reason code 13. How you respond is determined by the chargeback reason code: Embed This Graphic. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. API Integration: Alipay’s API can be integrated into the website's checkout process for online merchants. Friendly fraud. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Further information at page PSR-564, 11. 3: Goods or services were not as described: C31: RM: 13. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. P01 UnassignedCard number . There is no Wells Fargo dispute charge for cardholders with a legitimate reason to file a dispute. 3: Goods or services were not received: C08: RG: 4855: 13. Save fulfillment costs, prevent chargebacks, the improve customer satisfaction. Consider Deadlines. 2: 10: Fraud:You can check on the status of your dispute by following these steps: Login to your Chime mobile app. A01 — Charge Amount Exceeds Authorization Amount The approved authorization amount is less than the amount of the sale submitted by the. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. We also included the reason code descriptions and an indication of when the allowable time frame begins. Visa retired the “unrecognized” reason code (number 75) — a reason code that wasn’t previously considered fraud. 1: Use the corresponding dates from the invoice. Read on for the complete guide to dealing with chargebacks. Contact us here or call us at 1. 1 chargeback: 1. 4, 12. P07 – Late Submission. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The nature of the threat makes it a moving target. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. These codes are broken down into five different category. Reason Code 53 Re-presentment Conditions. GraphQL Docs & Tools. ©Share your cancellation policy, note that it was displayed prominently, and show that the cardholder agreed to the terms at the time of the purchase. Responses to retrieval requests that are over 4 pages will. Visa Chargeback Reason Codes. Solution. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Mastercard Chargeback Reason Code 71: Disputed Amount. for chargeback reason code 4863 (Cardholder Does Not Recognize). It was originally just one facet. Chargeback reason code 11. Depending on the reason for the return, customers may have up to 60 days from settlement to refute an ACH payment. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. UA02 Fraud – Card Not Present Transaction. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. The cardholder contacts their bank to explain the situation and ask that the bank reverse the transaction. Reason Code Directory. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. This will be referenced in the chargeback notice you received. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Chargeback Reversed (Positive Signal) P01: Transaction submitted for invalid/incorrect Account number: P02: Transaction submitted for invalid/incorrect Account number: P05: Transaction Processed in Wrong. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Then, apply calculations and chart your results. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. Amex Dispute Codes 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. 00 in chargebacks. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Specify the invoice date and net due date to assign to chargebacks. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. When customers dispute charges to their accounts, you can incur chargebacks. The good news is that most of these invalid claims are disputable by the merchant. Reason. You must tailor your representment case — including the compelling evidence — to the reason code under. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Check with the issuing banks to determine what time limits may apply to you. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. 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. "Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Both EFM and ECM measure compliance at the MID level. P01. 10 Tips to Prevent Fashion Chargebacks. Each code corresponds to an issue or problem. Updated: Valid values updated. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. 6). Be sure you understand the cardholder’s claim. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Simplify reason codes; Let’s look at each of these objectives a little more closely. 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. 4853 – Cardholder Dispute – Credit Not Processed. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. 0 is to make the chargeback process more efficient, transparent, and fair. One might almost consider this chargeback a technicality, as it only exists when the merchant explicitly agrees to take liability for a dispute and accept a chargeback. And, each code has unique compelling evidence requirements if you choose to fight. School Yeshiva University; Course Title BUS MISC; Uploaded By KidGorilla7385. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Subsection5. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Protect cardholder data. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. 1. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. You have submitted a transaction to us for an invalid or otherwise incorrect cardholder account number, and we are unable to identify the correct. Date Option. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. 65 fee for uploading scanned documents. 1 The chargeback goes under the Reason Code P01: Unassigned Card Number. Merchants. 1: goods not received. Try Shopify free for 3 days, no credit card required. And, each code has unique compelling evidence requirements if you choose to fight. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. When one cardholder initiates a dispute with their issuing bank, a. There are multiple situations in which this can occur. And according. Investigate suspicious orders. But cardholders and merchants have different time limits. Please note that the most common Chargeback reason code for Allocation disputes is 10. When the customer disputes a charge, the issuing bank then begins the chargeback process. Terms and conditions. The newer system is designed to. Also, just like American Express, Discover functions as both a card network and an. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. The system does not accept Blank as a value, even if it is defined in the UDC table. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. 45. Each network’s reason codes, however, can beLike your chargeback-to-transaction ratio, card networks also monitor your fraud-to-sales ratio. Stands. 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.