Ever checked your bank account and found money missing because of a “code 60” chargeback? It’s frustrating. You didn’t return the item, and yet, somehow, the money’s gone.
You’re not alone. Many consumers and even businesses get caught off guard by charge dispute code 60. It sounds vague, official, and almost like a penalty. But really, it’s a reason code used by card networks—especially Visa—to explain why a transaction was reversed.
If you're confused, or just want a straightforward explanation of what this code means, you’re in the right place.
What Is Charge Dispute Code 60?
Chargeback reason code 60 refers to disputes where the cardholder claims a credit was not processed. In most cases, this applies when:
- A product was returned, but the refund didn’t post to the card.
- A service was canceled, but the expected credit didn’t arrive.
- A merchant promised a refund that never showed up.
Different card networks use their own version of this code:
- Visa: Reason Code 60 (Credit Not Processed)
- Mastercard: 4855 (Credit Not Processed)
- American Express: C08 (Goods/Services Returned or Refused)
- Discover: RN2 (Credit Not Processed)
Even though the code numbers vary, the reason is consistent: a refund was expected and didn’t happen.
Common Triggers for a Code 60 Dispute
A consumer doesn’t always file this dispute maliciously. Sometimes, it’s just a breakdown in communication or processing. Here are the most common triggers:
- The merchant agreed to a refund but delayed posting it.
- The customer returned the product, but no one issued the credit.
- A refund was processed, but due to a technical error, it failed.
- The credit was issued to the wrong card or account.
- The bank statement cut-off happened before the refund appeared.
In other cases, a customer may not realize that a restocking fee was deducted from the return, and disputes the difference.
What Happens When a Code 60 Chargeback Is Filed?
Once the cardholder contacts their bank and the dispute is filed:
- The bank reviews the claim and assigns code 60 as the reason.
- The funds are removed from the merchant’s account temporarily.
- The merchant must respond with documentation proving that a credit was issued or explaining why the customer wasn’t entitled to one.
For consumers, this means your refund appears in your account (at least temporarily) while the case is reviewed. For businesses, it’s a red flag—and often a sign of a mismanaged return.
What You Should Do if You See Code 60 on Your Statement
If you’re the cardholder and this code appears on your bank statement, here’s what you can do:
1. Check Your Receipts
Did you return something recently? Was the return timeline more than 5–10 business days ago? If so, the code may be valid.
2. Call the Merchant
This can often resolve the issue faster than going through your bank. Ask if the refund has been processed and if so, when it should appear.
3. Follow Up with Your Bank
If the merchant can’t resolve it—or doesn’t respond—you can ask your bank to investigate. Make sure you keep proof of your return or refund request.
4. Watch for a Reversal
If the merchant can prove the credit was issued correctly, your refund could be reversed, and the original charge reinstated. Make sure you stay alert during this time.
How Long Do Code 60 Disputes Take?
Typically, the full process—if escalated—can take 30 to 90 days. Banks must follow timeframes set by Visa and Mastercard for resolution. That includes time for the merchant to respond and for any back-and-forth between the involved parties.
Is There a Way to Avoid Code 60 Problems?
Yes, a few smart steps can reduce your chances of running into this code again:
- Always ask for a return receipt or refund confirmation.
- Give at least 5–10 business days before assuming a refund failed.
- If a return is processed in-store, check if the card details match.
- Ask if any fees will be deducted from the credit.
FAQ about Charge Dispute Code 60
What if I never returned the item?
You can contact the merchant and request clarification. If no return was made, you may be able to contest the chargeback with your bank.
Can a code 60 chargeback be reversed?
Yes. If the merchant proves that a refund was properly issued, the chargeback can be reversed, and you’ll be recharged.
Is code 60 a type of fraud?
Not exactly. It's usually related to refund issues, not fraudulent purchases. But some cardholders may file this falsely to get money back.
What proof do I need to file a code 60 dispute?
Ideally, a return receipt, cancellation email, or merchant conversation confirming the refund.
Do all banks use the same code?
No. Code 60 is primarily used by Visa. Other networks like Mastercard and Amex use different codes for the same reason.
Conclusion
Charge dispute code 60 isn’t about fraud, it’s about refunds that fall through the cracks. Whether you’re a consumer trying to get your money back or a business trying to protect your revenue, understanding what this code means is the first step. Keep good records, talk to the merchant first, and know your rights if the refund never comes through.
Seeing More Disputes Like This?
If you’re a business owner noticing a rise in return-related chargebacks like code 60, it might be time to take a closer look at your refund flow.
Chargeblast helps companies spot refund delays, prevent misunderstandings, and catch problems before they become chargebacks. Want to see how better dispute intelligence can protect your bottom line?
Let us show you how we make chargeback prevention smarter. Book a demo or dive in today.
