The complete current Official Visa chargeback rules and reason codes are available for PDF download. A few of the most common codes are listed here as well.
Visa Chargeback Reason Code 60: Request Copy Illegible or Invalid
EDITORS NOTE: This is a tough one for most retailers to defend because they cannot go back in their files and find the receipt, or they have a copy on carbonless paper that has also become illigible with age. Our CenPOS technology solution with signature capture retrieval provides instant access to the records you need to defend this type of chargeback. Additionally, with right processing solution, you can also manage all chargebacks from a simple control panel.
Reason Code 75: Cardholder Does Not Recognize Transaction
A lot of times this results from a dba name not being on the record.
Reason Code 57: Fraudulent Multiple Transactions
This chargeback does not apply to recurring payments or to mail order, telephone order, or Internet transactions.
Cashier mistakes are a common cause. Again, this can be eliminated with CenPOS technology for larger operations.
Chargeback Reason Code 81: Fraudulent Transaction Card-Present Environment
You can easily defend this with a signed receipt. Again, CenPOS payment processing platform with Signature Capture puts signed receipts at your fingertips.