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Pareto — Card Chargeback Reasons

Issuer dispute reason codes for a quarter against the previous one, computing that 5 of 11 codes carry 85.1% of 3,648 chargebacks and confirming the vital few are unchanged even though the mix beneath them moved.

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Card chargebacks by reason — FY27 Q2FY27 Q2 vs FY27 Q1 · 11 categories · total 3,648 chargebacks · threshold 80%FY27 Q2FY27 Q1Cumulative %Cumulative % (FY27 Q1)05001,0001,5000%20%40%60%80%100%80% threshold1,2841,109742688506541318295254331197162133148869458614147293335.2%55.5%69.4%78.1%85.1%90.5%94.1%96.5%98.1%99.2%100%vital few · 5Fraud — card not presentProduct not receivedProduct unacceptableDuplicate processingCredit not processedCancelled recurringIncorrect amountLate presentmentNon-matching card numberCancelled merchandisePaid by other means5 of 11 categories (45%) account for 85.1% of 3,648 chargebacks.Vital few at 80%: Fraud — card not present, Product not received, Product unacceptable, Duplicate processing, Credit not processed — 3,104 of 3,648 chargebacks.Those categories covered 84.5% of the FY27 Q1 total (3,509 chargebacks), against 85.1% of FY27 Q2.Vital few unchanged since FY27 Q1.Issuer-initiated disputes across 2.9 M card transactions

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title "Card chargebacks by reason — FY27 Q2"
unit chargebacks
period "FY27 Q2"
compare "FY27 Q1"
threshold 80%
note "Issuer-initiated disputes across 2.9 M card transactions"

# reason                      FY27 Q2   FY27 Q1
"Fraud — card not present"       1284      1109
"Product not received"            742       688
"Product unacceptable"            506       541
"Duplicate processing"            318       295
"Credit not processed"            254       331
"Cancelled recurring"             197       162
"Incorrect amount"                133       148
"Late presentment"                 86        94
"Non-matching card number"         58        61
"Cancelled merchandise"            41        47
"Paid by other means"              29        33