Reason codes

To provide a consistent and unified experience for merchants, dispute reason codes are standardized across all integrated payment providers.

Authorization & Authentication Disputes

Dispute Code	Reason Description	Common Scenarios
`PDSP_AUTH_001`	Payment not authorized by cardholder	"I never approved this charge" "Someone else used my card" "I don't recognize this merchant"
`PDSP_AUTH_002`	Fraudulent payment Card Not Present	"I didn't make this online purchase" "My card was used without my knowledge" "Someone hacked my account"
`PDSP_AUTH_003`	Fraudulent payment Card Present	"I wasn't at that store" "My card was stolen and used" "I was in a different city that day"
`PDSP_AUTH_004`	Card/account stolen or lost	"My wallet was stolen" "I lost my card last week" "Card was used after I reported it lost"

Product & Service Issues

Dispute Code	Reason Description	Common Scenarios
`PDSP_PROD_001`	Product not received	"My order never arrived" "Tracking shows not delivered" "Package was lost in transit"
`PDSP_PROD_002`	Product significantly different	"This isn't what I ordered" "Color/size/model is wrong" "Features don't match listing"
`PDSP_PROD_003`	Product defective or damaged	"Item arrived broken" "Product doesn't work" "Damaged in shipping"
`PDSP_PROD_004`	Service not provided	"Service appointment was missed" "Work was never completed" "Subscription access denied"
`PDSP_PROD_005`	Partial shipment	"Missing items from my order" "Only received 2 of 5 items" "Rest of order never came"

Cancellation & Refund Issues

Dispute Code	Reason Description	Common Scenarios
`PDSP_CANC_001`	Cancelled recurring transaction	"I cancelled my subscription" "Charged after cancellation" "Unwanted auto-renewal"
`PDSP_CANC_002`	Refund not processed	"Promised refund never came" "Still waiting for my money back" "Refund confirmed but not received"
`PDSP_CANC_003`	Cancelled order	"I cancelled within the window" "Order cancelled before shipping" "Changed my mind immediately"
`PDSP_CANC_004`	Return merchandise authorization	"I sent the item back" "Return was delivered to seller" "Following your return process"

Subscription & Recurring Payment Issues

Dispute Code	Reason Description	Common Scenarios
`PDSP_SUBS_001`	Unwanted recurring charge	"I didn't know it would recur" "Thought it was one-time" "Never agreed to subscription"
`PDSP_SUBS_002`	Subscription terms violation	"Price increased without notice" "Terms changed mid-contract" "Features removed from plan"
`PDSP_SUBS_003`	Trial period abuse	"Charged during free trial" "Trial ended too early" "Didn't know trial was ending"
`PDSP_SUBS_004`	Subscription modification dispute	"Didn't approve plan upgrade" "Downgrade not processed" "Wrong subscription tier charged"

General & Miscellaneous

Dispute Code	Reason Description	Common Scenarios
`PDSP_GEN_001`	General dispute	"Problem with transaction" "Issue needs resolution" "Dispute this charge"
`PDSP_GEN_002`	Consumer inquiry	"Just asking about this charge" "Need more information" "Don't understand this transaction"
`PDSP_GEN_003`	Credit not processed	"Promised credit not received" "Adjustment never applied" "Still waiting for credit"

Updated 10 days ago