Refusal and chargeback reasons

We will display the reason for a refusal, chargeback or reversal within the Payment Details panel in the MAI, should one be provided by the shopper's bank.

Note:  We may not always receive information about the refusal or chargeback, which is why the description may read "Reason code not available from bank status update." This is common in Germany where Data Protection rules regulate this information.

R-transactions

A transaction that results in being either refused or charged back may be sent with a refusal or chargeback code on why this has happened. These response codes are translated into a reason, such as "Insufficient funds" or "Refusal by debtor". Worldpay presents the refusal or chargeback reason to you in the Merchant Admin Interface.

A refusal or chargeback code is not always provided due to local business practices or privacy laws, and, even if a reason code is provided, it may not accurately reflect the true reason of the use of an R-transaction.

Note:  For more information about reason codes and R-transactions, see Guidance on the handling of SDD R-transactions and related charging principles.

Chargebacks

Although shoppers can dispute transactions up to 13 months after the date of being debited, merchants cannot defend a charged back transaction.

Chargeback reversals

Chargebacks can be reversed should the shopper decide to keep the product(s) or service(s) provided. You'll need to inform Worldpay that the chargeback has been reversed and provide the transaction reference. Worldpay can then ensure the funds are settled to your account.