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README.md

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+---
+license: cc-by-4.0
+language:
+- en
+pretty_name: Credit Card Chargeback Reason Codes (Visa, Mastercard, Amex, Discover)
+tags:
+- finance
+- payments
+- ecommerce
+- reference
+- fraud
+size_categories:
+- n<1K
+configs:
+- config_name: default
+  data_files: chargeback-reason-codes.csv
+---
+
+# Credit Card Chargeback Reason Codes (Visa, Mastercard, Amex, Discover)
+
+A complete, plain-English reference for the active chargeback reason codes a merchant can receive across the four major card networks. Each code includes what it means, the response deadline, and the evidence that typically wins a dispute.
+
+## What's in it
+
+64 active reason codes, one row each, with these fields:
+
+| Field | Meaning |
+|---|---|
+| `network` | Visa, Mastercard, American Express, or Discover |
+| `code` | The reason code as it appears on the dispute |
+| `title` | The network's name for the code |
+| `plain_english_meaning` | What the code actually means for the merchant |
+| `response_deadline` | How long the merchant has to respond |
+| `key_evidence` | The evidence that typically supports a response |
+| `winnability_label` | A rough read on how defensible the dispute usually is |
+| `source` | Where the code definition was drawn from |
+
+## What the data shows
+
+The 64 active codes break down by network as: American Express 23, Visa 20, Mastercard 11, Discover 10. Retired codes are deliberately excluded, so nobody builds a response around a code that no longer exists.
+
+## A note on accuracy
+
+The card network makes the final decision on every dispute. This dataset is a reference for understanding and preparing a response, not a guarantee of outcome.
+
+## License
+
+Published under CC BY 4.0. Free to use, cite, or redistribute with attribution. Maintained by ChargebackKit (chargebackkit.app/reason-codes).