# Cartes Bancaires

> Chargeback reason codes of Cartes Bancaires.

| **Chargeback** **Categories** | **Reason Code** | **Reason** | **Description** |
| --- | --- | --- | --- |
| Fraud | 23 | Empreinte manquante | The transaction was carried out without taking an imprint of the card or reading the magnetic stripe or reading the microcircuit. |
| Fraud | 16 | No chip/Pin number verfication | The transaction was carried without checking the Pin code |
| Fraud | 45 | Disputed transaction | The cardholder did not authorize or participate in a transaction. |
| Fraud | A1 | Multiple payment transaction disputed | The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction. |
| Authorization | 40 | Cancelled card | The transaction was carried even though the cardholder’s card was cancelled. |
| Authorization | 14 | Issuer declined authorization | The authorization was declined, but the transaction was processed anyway., |
| Authorization | 21 | Expired card | The charge submitted by the merchant after the card was expired. |
| Authorization | 12 | Transaction not authorized by issuer on card with systematic authorization | The transaction was carried out with no proper authorization was obtained. |
| Authorization | 13 | Forcing | The transaction was carried out with no proper authorization was obtained. |
| Authorization | 15 | Guarantee by card,by day, by siret | The transaction was carried out with no proper authorization was obtained. |
| Authorization | 18 | Certificate not auditable | The transaction was carried out with no proper authorization was obtained. |
| Authorization | 62 | Transaction not allowed | The transaction was carried out with no proper authorization was obtained. |
| Authorization | 25 | Maximum transaction amount exceeded | The transaction, carried out via an automated terminal, was for an amount exceeding 1500 EUR. |
| Processing Error | 22 | Late Presentment | The transaction was not processed within the required time-limit. |
| Processing Error | 28 | Credit posted as a purchase | The cardholder was debited for a transaction that should have been a credit. |
| Processing Error | 43 | Unknown card number | The transaction did not receive authorization and was processed using an account number that does not match any on the issuer's master file. |
| Processing Error | 44 | Disputed amount | The transaction was processed with an incorrect amount. |
| Processing Error | 42 | Duplicate processing | The transaction was processed more than once. |
| Processing Error | 17 | Invalid SIRET | The transaction was carried out with a merchant whose SIRET number is invalid. |
| Processing Error | 61 | Merchant suspended or struck off | The transaction was carried out even though the merchant suspended or struck off. |
| Processing Error | 99 | Nonvalid open Payment Partial Guarantee | The partial-guarantee open payment transaction does not meant the conditions for eligibility for partial guarantee or does not meet the conditions for the application of a partial guarantee. |
| Consumer Dispute | 27 | Credit not Processed | The cardholder received a credit or voided transaction receipt that was not processed. |
| Consumer Dispute | A0 | Credit fund transfer declined | The credit owned to the cardholder was rejected. |