| reason_code,category,description,base_win_rate,required_evidence |
| Visa_10.4,FRAUD,Fraud - Card Not Present,0.32,"has_3ds_authentication, has_avs_match, has_cvv_match, has_device_fingerprint, has_ip_geomatch" |
| Visa_10.5,FRAUD,Fraud - Counterfeit Transaction,0.18,"has_avs_match, has_cvv_match, has_device_fingerprint" |
| Visa_11.1,AUTHORIZATION,Card Recovery Bulletin,0.22,"has_avs_match, has_3ds_authentication" |
| Visa_11.2,AUTHORIZATION,Declined Authorization,0.52,"has_avs_match, has_terms_accepted" |
| Visa_12.1,PROCESSING_ERROR,Late Presentment,0.28,"has_terms_accepted, has_refund_policy_shown" |
| Visa_12.2,PROCESSING_ERROR,Incorrect Transaction Code,0.62,has_terms_accepted |
| Visa_12.5,PROCESSING_ERROR,Incorrect Amount,0.68,"has_terms_accepted, has_customer_communication" |
| Visa_13.1,CONSUMER_DISPUTE,Merchandise / Services Not Received,0.55,"has_delivery_confirmation, has_delivery_tracking, has_delivery_signature, has_customer_communication" |
| Visa_13.3,CONSUMER_DISPUTE,Not as Described or Defective Merchandise,0.42,"has_customer_communication, has_refund_policy_shown, has_terms_accepted" |
| MC_4808,AUTHORIZATION,Authorization Related Chargeback,0.48,"has_avs_match, has_3ds_authentication" |
| MC_4834,PROCESSING_ERROR,Duplicate Processing,0.72,"has_customer_communication, has_terms_accepted" |
| MC_4837,FRAUD,No Cardholder Authorization,0.28,"has_3ds_authentication, has_avs_match, has_cvv_match, has_device_fingerprint" |
| MC_4853,CONSUMER_DISPUTE,Goods / Services Not as Described,0.4,"has_customer_communication, has_refund_policy_shown, has_terms_accepted, has_usage_proof" |
| MC_4855,CONSUMER_DISPUTE,Goods / Services Not Received,0.56,"has_delivery_confirmation, has_delivery_tracking, has_delivery_signature" |
| MC_4863,FRAUD,Cardholder Does Not Recognize,0.38,"has_avs_match, has_cvv_match, has_device_fingerprint, has_ip_geomatch" |
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