testland/chargeback-flow-test-author
Workflow-driven skill that builds the chargeback / dispute test suite: canonical reason codes (Visa 10.4 fraud, 13.1 services-not-provided; Mastercard MCC 4855), per-gateway dispute APIs (Stripe Disputes, Adyen Chargeback notifications, PayPal Disputes), the evidence-submission flow + window, and disposition outcomes (won / lost / accepted). Use when designing dispute coverage; for refunds use refund-test-matrix-builder, for webhook redelivery + idempotency use payment-webhook-replay, and for the lifecycle state model use payment-flow-states-reference.
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reason-codes.mdreferences/
Chargeback reason code catalog
Pick the 3-5 most-common reason codes for your business and verify the evidence-collection flow for each. Each code carries different evidence requirements, so a single-reason test under-covers the suite. Visa, Mastercard, and AmEx each maintain their own reason-code catalogs.
Visa
Per Visa Chargeback Reason Codes (cite by stable ID: Visa Chargeback Management Guidelines):
| Code | Category | Description |
|---|---|---|
| 10.4 | Fraud | "Card-absent environment fraud" |
| 11.1 | Authorization | Card recovery bulletin |
| 11.2 | Authorization | Declined authorization |
| 11.3 | Authorization | No authorization |
| 12.1 | Processing errors | Late presentment |
| 12.2 | Processing errors | Incorrect transaction code |
| 12.3 | Processing errors | Incorrect currency |
| 12.4 | Processing errors | Incorrect account number |
| 13.1 | Consumer disputes | Merchandise/services not received |
| 13.2 | Consumer disputes | Cancelled recurring transaction |
| 13.3 | Consumer disputes | Not as described |
| 13.5 | Consumer disputes | Misrepresentation |
Mastercard
Per Mastercard MCC chargeback reason codes (cite by stable ID: Mastercard Chargeback Guide):
| Code | Description |
|---|---|
| 4853 | Cardholder disputes |
| 4855 | Non-receipt of merchandise |
| 4859 | Services not rendered |
| 4863 | Cardholder doesn't recognize |
Sources
- Visa Chargeback Reason Codes (cite by stable ID: Visa Chargeback Management Guidelines).
- Mastercard Chargeback Guide (cite by stable ID).