In most cases, the bank chooses a course of action based on information the cardholder provides. 7: Defective goods and services: C32: RM: 13. 2. F01. Category. P01 Unassigned Card Number: IN Invalid Card Number: 4834 Point-of-Interaction Error: 12. See moreAmerican Express chargeback reason code P01 falls under the “Processing Errors” category. 3. If the merchant has a signature showing that the order was delivered, or evidence that the. 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. 3: Goods or services were not received: C08: RG: 4855: 13. ”. Unassigned. If you get a chargeback,. 1. Consider Deadlines. Once you receive this notification, you have 11 days to. The transaction amount and authorization number (ARN. One Point Reason Code: CODE 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 date of. Card networks send these codes to merchants to indicate why a chargeback has been filed. Read on for the complete guide to dealing with chargebacks. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. Duplicate Processing - 81The 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. Code 10. The chargeback transfers funds from the acquirer to the issuer. If you don’t reply . Amex Dispute Codes 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. Duplicate Processing. 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. Reason Code Directory. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Once filed, the merchant generally has 20 days to respond. F02. Code. You must tailor your representment case — including the compelling evidence — to the reason code under. reason_description: string. When disputing a chargeback, select the document(s) that support your case, attach. Charge Processed as Credit. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. P04. 2. When customers dispute charges to their accounts, you can incur chargebacks. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. 4859 Addendum, No-show, or ATM Dispute. During this process, the representative of the institution examines the reasons’ list. 4. 2022 Visa Chargeback. Before the cardholder can file a chargeback, they must give a reason to their card provider. 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. For example, 'R04' indicates that an invalid account number was. Instead, the merchant provides an. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. #9. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. Write Off. Amex. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Specifically, these updates only pertain to transactions that are charged back after Oct. The shorthand description is “Unassigned Card Number. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Visa Chargeback Reason Codes; MasterCard. You should be. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. Only an issuer can initiate the chargeback process. These are all the known American Express chargeback codes. 800. 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. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. ”. 3 is the less common version for card-present transactions. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Visa, MasterCard, and American Express all list compelling evidence by reason code. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Reason Code 03. Responding to Mastercard Reason Code 4853 Chargebacks. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. On that note, below are some vendor missteps that could result in Visa reason code 13. Visa chargeback reason codes. MCC 5815 — Digital Goods: Media (Books,. A01 — Charge Amount Exceeds Authorization Amount The approved authorization amount is less than the amount of the sale submitted by the. Supporting Documents You could potentially reverse a Chargeback by providing the. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. Mastercard: Reason Code 4859 Service not rendered. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. You can learn more about each one by visiting the Mastercard Chargeback Guide. Unauthorized returns (R05, R07, R10, R29, R51): 0. Paid by alternate means and card. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Now, compliance cases must be submitted through Visa Resolve Online (VROL). They make it easier for originating and receiving financial institutions to spot and communicate payment failures. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). 3: Goods or services were not received: C08: RG: 4855: 13. 4853 – Cardholder Dispute – Goods or Services Not Provided. 7: Defective goods and services: C32: RM: 13. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Chargeback reason codes. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. . This does not include an AuthorizationRecent data suggests that total fraud costs in the travel space will exceed $25 billion a year by 2020, and that’s considered a low estimate. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. Reason Code 10: Violation of Standards: The merchant was in violation of one or more of the card network’s regulations. Check the chargeback reason code. 105. It is associated with a chargeback reason code, and it is specific per Card Scheme. Reason Code 12: PCI-DSS Non Compliance: The merchant wasn’t compliant with PCI-DSS requirements. Company. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. Additionally, Amex uses a fifth "Miscellaneous" category. Chargeback prevention strategies vary based on the reason for the. 103. 4. Chargeback reason code; Delivery confirmation (if the item was delivered) Accurate transaction dollar amount; When writing a winning chargeback rebuttal letter, it’s important to include one more vital component: the fact that you’re disputing the charge. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. The merchant generates a QR code for the transaction, which the customer scans using the Alipay app on their smartphone to complete the payment. Other Fraud—Card Present Environment. In most cases, Wells Fargo requires that the dispute be filed within 60 days. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Additionally, Amex uses a fifth "Miscellaneous" category. Visa assesses the following fines, as specified in the table below, to a U. processed the transaction correctly. The implication is that the merchant is at fault. Step 01 | Identify the Reason Code. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 5. . The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . The chargeback reason code. 5: Fraud Monitoring Program. Ideally, the chargeback reason code will determine the type of evidence you share. The reason_description field lists the chargeback reason. Visa has recently announced changes to its chargeback rules. Chargeback Reason Code . Never swipe a card back and forth or at an angle, as it may cause the reader to misread the stripe. Time Limit (Issuer/Cardholder) 120 Days. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. If the order was genuinely not as described, then the cardholder has a case. 3 Fraud – Card-Present Environment. 61 P03 Credit processed as charge. Standard Threshold: Reaching a chargeback ratio of 0. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 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. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. 9905. 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. Depending on the reason for the return, customers may have up to 60 days from settlement to refute an ACH payment. Reason Code 81: Fraud. Oftentimes, the reason code assignment is based on limited knowledge and insight. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time. If the order was genuinely not as described, then the cardholder has a case. 3 falls under the “Authorization” category. 2 Compliance CasesECM monitors first presentment chargebacks regardless of reason code or transaction type. A chargeback is the potential outcome of a disputed credit or debit card transaction. UA01 Fraud – Card Present Transaction. P03 — Credit Processed as Charge Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. GraphQL Docs & Tools. Chargeback Reason Code. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. The credit card number used for a sale is not assigned to a valid account or cardholder. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. Categories For Reason Codes. Reason Code North-America:. If you’re not, there’s a good chance you’re about to see a high volume of chargebacks with “fraud” reason codes come pouring in. Chargeback Prevent Alerts Resolve user controversy quickly before your got chargebacks. Check with the issuing banks to determine what time limits may apply to you. 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. 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. 265. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. 3. Click on “report a problem” and select the transaction in question. 4846 — Incorrect Currency Code. 2? Visa chargeback reason code 12. The EFTA was first enacted in 1978. Please refer to chapter 5 for more information. 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. 3? Visa chargeback reason code 13. Be transparent about your products. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. 0 only applies to reason code 10. 00 EUR as a Withdrawal fee. Note. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. 4 applies to eCommerce, whereas code 10. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. If you fulfilled the cancellation request but the cardholder continued to use the services, provide documentation that proves the charge covers services used after the cancellation. This will put the onus of the chargeback back on the card-issuing bank as opposed to the merchant, for many chargeback reason codes. Reason. 1 The chargeback goes under the Reason Code P01: Unassigned Card Number. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Once filed, the merchant generally has 20 days to respond to the chargeback. Chargeback amount is equal to or less than the exceeded limited /authorised amount. This is commonly caused by either true fraud or friendly fraud. 102. Scenario 2. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 45. The reason codes are grouped into several broad. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 9808 info@chargebacks911. 7. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. This ranges anywhere from roughly 60 to 90 days after purchase. P07 – Late Submission. Used when: The merchant processed the transaction more than once, causing the cardholder to be debited twice for the same transaction or the cardholder paid for a transaction using one form of payment and was There are over 80 unique return codes, and each one represents a different type of return. But why do they happen? 4 common types of hotel chargebacks. 4 Fraud – Card-Absent Environment. A chargeback occurs when a charge on a customer’s account is reversed. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Listed as American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040, customers file fraudulent chargebacks when they believe fraud has occurred. P01: Non-Matching Account Number: 120: Authorization: Amex: P03: Credit Posted as a Card Sale: 120:These are only a handful of common Visa chargeback reason codes. Select the value “open”. ; Chargeback Prevention Alerts Decide customer disputes quickly before they become chargebacks. Ensure that the digits of the. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. P01 P03 P04 P05 P07 P08 P22 P23 R03 R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. Knowledge of such codes can help businesses file a chargeback dispute successfully. 2. Categories for reason codes have changed over the years, especially because of the increasing number of. This may seem unnecessary, but if you don’t clarify this, your letter may cause some. 4: Other Fraud–Card-Absent Environment. For best results, your chargeback win rate should be as close to 100% as possible. They can also be caused by a merchant failing to process a cancellation promptly. R06 – Returned due to ODFI’s request. Here’s how your store can prevent and deal with chargebacks. Essentially, even a $50 chargeback can become $125 with all the extra fees. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. P07. Reason Code. Commonly selected actions include Dispute/Reverse Chargeback or Accept Chargeback. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. 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). Field name: reasonCode. com Europe. When one cardholder initiates a dispute with their issuing bank, a. the Chargeback. 6. There are multiple situations in which this can occur. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. These codes can help a merchant with an inquiry or chargeback reversal. 16 Chargeback Reason Code 71 – Declined Authorization. Documentation must be a direct result of cardholder communication. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. In a traditional payment system, the customer authorizes a payment, and then the merchant submits it for clearing to the issuer—effectively requesting to “pull” money from the customer’s account. Thus, the easiest way to prevent chargeback reason code 75 from being. Once filed, the merchant generally has 20 days to respond to the chargeback. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Those reasons are explained through the corresponding reason codes. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Solution Case Studies Partners Company Blog Resources Data & Compliance FAQ See It In Action. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. 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. the Chargeback. [1] Sift. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Be sure you understand the cardholder’s claim. P08 – Duplicate Charge. Chargeback rights are guaranteed by law. compliance process depending on whether a chargeback right exists. Fine Period - month 2 or 3. Download this sample Chargeback Rebuttal Letter. Dispute. Section5. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. Reason Code 53 re-presentments must be. 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. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. 2. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 10. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Customer Dispute. With the right compelling evidence,. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. According to data published by ThreatMetrix, nearly 20% of all attempted transactions in the travel industry are identified as fraud attacks: Every travel vertical stands to lose revenue due to online. ”. 1: goods not received. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Chargeback Codes (continued) C04 Goods/services returned. Include any terms relevant to the transaction, including return, cancellation and. Date Option. REQUEST A DEMO. Reason Code 53: Not as Described or Defective Merchandise. Region. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 1 Authorisation . 10. Additionally, Amex uses a fifth "Miscellaneous" category. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. 1. Once filed, the merchant generally has 20 days to respond to the chargeback. 3: Goods or services were not as described: C31: RM: 13. The formal definition for R16 ACH return code is: Account Frozen/Entry Returned per OFAC Instruction: 1) Access to the account has been restricted due to legal action or specific action undertaken by the RDFI, or 2) the OFAC (The Office of Foreign Assets Control of the US Department of the Treasury) has instructed the Gateway or. 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. Accessed October 31, 2022. There are over 80 unique return codes, each representing a different return type. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. In simple terms, a payment dispute is simply a disagreement between a cardholder and a merchant about a charge. CHARGEBACK REASON CODESCode 13. 2. In addition to that, your monthly ratio of chargebacks to transactions is monitored by the banks and card networks you work with, and if it exceeds a certain threshold—usually 1%—you can get hit with extra fees and other penalties. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. Analyzing chargeback the alert information via heaps. Description: Reason code for applying handling fee. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Customer-initiated return codes Customer-initiated return codes are sent when the customer takes action to cancel or revoke an ACH transaction from their account. The issuer investigates. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Braintree Support Articles. 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. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. That suggests that in the times when merchants. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. This chargeback occurs when merchants do not adequately provide currency information. The merchant did not receive any returned merchandise. Visa chargeback reason code 11. This information should be based on the Visa chargeback reason codes assigned to the case. 5 billion lost in 2020. might reverse the Chargeback. Category. To help you identify what happened, look up the code you received for the dispute below. How you respond is determined by the chargeback reason code: Embed This Graphic. The merchant authorizes Amex to process a chargeback for the transaction in question. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. Investigate suspicious orders. 7: Defective goods and services: C32: RM: 13. While there are many chargeback reason codes, all chargebacks fall into one of three categories:In most cases, you will have 20-45 days in which to respond to a chargeback. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction.