Win-rate, evidence required, and the exact playbook for every major Visa and Mastercard reason code. Bookmark it. Use it the next time a chargeback hits your inbox.
Cardholder claims they didn't authorize an online purchase.
Cardholder claims they paid but never got what they bought.
Customer says they canceled the subscription before you charged them.
Customer says the product isn't what was advertised, or it's broken.
Card-present transaction processed without chip, later disputed as counterfeit.
Mastercard's catch-all for product/service disputes.
Mastercard's specific code for non-delivery.
Mastercard fraud chargeback — cardholder denies the transaction.
Customer was promised a refund, never got it.
Mastercard's recurring billing dispute code.
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