The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Reason Code 03. Here are some chargeback reason codes by card type. Visa chargeback reason code 12. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. 4846 — Incorrect Currency Code. Take, for example, a reason code 4853 chargeback claiming that. Check with the issuing banks to determine what time limits may apply to you. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Chargeback. Chargeback reason code 4853 can be used to indicate disputes in which the cardholder feels that the actual merchandise received (or service provided) differs greatly from the written or verbal description provided at the time of purchase. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Visa Visa Chargeback Reason Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Card Recovery Bulletin Authorization Visa Code: 11. It is subject to change and may not include every currently known dispute reason code. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Counterfeit Fraud Chargeback Condition All of the following: • The cardholder contacted the issuer. Visa chargeback reason code 10. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. 1 falls under the “Processing Errors” category. 24%: 60. 4853 Cardholder Dispute. /HealthCare IIAS Auto-sub Data Retrieval Request 70 Int'l only Effective Change Date AMEX F24 FR4 FR5 M01 M04 M10 P01 P04 P05 R03 R13 Duplicate Billing Captial damages M19 Offset adjustment Non. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Use this guide as a quick resource for Visa chargeback reasons at a. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. VCR Dispute Reason Code 10. Estimates show that friendly fraud accounts for 70% of all chargebacks. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. VisaConsider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Merchants who believe they have received an invalid chargeback under reason code 13. Visa chargeback reason code 75 is filed as an honest mistake. 4. We say the given reason because it may or may not reflect the true reason. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Pre. message. 1 Quick Reference Lead. Common reason codes Mastercard. Europe Region Operations Bulletin No. Nevertheless,. If you respond in good time, in certain circumstances, we may be able to defend the chargeback for you – even if your chargeback notification says that you’ve already been debited. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. 4. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). ”. As we touched on earlier, chargebacks can happen due to technical errors. A chargeback happens when a customer requests for a transaction to be reversed. What is Visa chargeback reason code 13. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableOf course, delivery delays became a big issue with lockdowns caused by Covid-19. UA01 Fraud – Card Present Transaction. 0. In the case where goods or services are to be delivered, Cardholders can disputeVisa chargebacks can be a major inconvenience for merchants. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. It was originally just one facet of legacy reason code 81. . Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. This chargeback occurs when goods and services did not obtain authorization for the particular transaction exceeding the goods and service’s Floor Limit. 1: Various content edits. . The shorthand description is “Card Recovery Bulletin or Exception File. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. The chargeback can be for the total transaction amount or a lesser amount. non_receipt: The buyer claims they didn't get the goods or services. com But it’s important that you make sure: your full case ID is detailed in the document name and the subject. 11, 16. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Every card brand has a unique set of chargeback reason codes banks must choose from. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. Chargeback Reason Code 70 is typically issued when the following two conditions are present: A card issuer receives a transaction that is below the merchant’s. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal of back-end data. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Each bank card network has its owner list of reason codes banks must prefer from. VISA CHARGEBACK REASON CODE 70 De*****ion Media Required No Verification/Exception File Merchant completed a transaction after receiving a negative account number verification, or An authorization was not required, but the account number was listed on the Exception File with a pick-up response and the merchant did not obtain. You can email us at: disputeresponses@barclays. If the cardholder bases the. “Visa has 28 different reason codes. Chargeback Representment. With that said, you still need to understand the reason codes with any chargebacks from Amex. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Visa has recently announced changes to its chargeback rules. . of all chargebacks recovered. Specify the invoice date and net due date that you want the system to assign to chargebacks. All chargebacks start with a customer making a purchase in person, in an app, or online. 02/10/16 Added Debit Chargeback Reason Codes. Chargebacks. 4846. A new 4 byte reason code will be used moving forward. Visa chargeback reason code 75 is filed as an honest mistake. [MasterCard Reason Codes 4853, 4855, 4859; Visa. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. 1=1010,. Understand the reason for the chargeback. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. . Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. #9. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. They can also be caused by a merchant failing to process a cancellation promptly. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. If the account. M01 Chargeback Authorization. Understanding these codes is essential because they'll guide your response strategy. Merchant must provide proof of authorization. Updated the following reason codes: Wrong Amount or Date Paid with Other Method: September 2015: 7. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. 6: Duplicate processing/Paid by other means. Reason code=108(chargeback) Reason code=109(Pre-arbitration). List of reason codes supported by Pega Smart Dispute for Issuers in MCOM are as following: Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. While there are many chargeback reason codes, all chargebacks fall into one of three categories: Step 4: Card Network Collects Dispute Information. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Contact point of sell out dealer and make sure that the point of sell out terminal has been registered to. EMV has been a mostly global standard since 2004. A reason code is how banks categorize the reason for a chargeback. If you don’t reply in time or with . This reason code is used when the cardholder claims that their card was used fraudulently without their permission. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. In the case of friendly fraud, that reason could be completely invalid and. However, they don’t address the reason why that chargeback was issued in the first place. 65%: 4. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Cardholder Disputes. 5: Visa Fraud Monitoring Program. 1210 3. While there are many chargeback reason codes, all chargebacks fall into one of three categories:A study by the Federal Reserve Bank of Kansas City, for example, found that merchants were found liable for 70 to 80 percent of chargebacks analysed by the researchers. The reason code should clue you in to which documents are needed. There are several reasons why many merchants turn a blind eye to suspected return fraud. Discover chargeback reason code 7030. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Description of Change Where to Look Updated Chip Liability Shift table elements Second Presentment Condition bullet #2, Supporting Documents and DE 72. Reason. Specify the default reason code to. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. In most cases, you will have 20-45 days in which to respond to a chargeback. S. 4: Fraud—Card-Absent Environment. Assemble Your Evidence. Each code corresponds to an issue or problem. 12. Explanation. When you engage in chargeback analysis and. This ranges anywhere from roughly 60 to 90 days after purchase. Code 4807: Fraudulent Card-Present Transaction. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. non_receipt: The buyer claims they didn't get the goods or services. ) A no-nonsense summary of evidence that proves transaction is legit. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. 18167 US Highway 19 N Clearwater, FL 33764 877. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Chargeback prevention strategies vary based on the reason for the. 1: Use the corresponding dates from the invoice. 4854 Cardholder Dispute—Not Elsewhere Classified (U. R03 Insufficient Reply. 65 - Exceeds Withdrawal Frequency Limit. There are multiple situations in which this can occur. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Spot these types of chargebacks using the below reason codes. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 0. 7 falls under the “Consumer Disputes” category. You must assign a chargeback reason code (03B/CB) to explain the reason for entering chargeback for the invoice. There are dozens of reasons why cardholders and issuers dispute transactions. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. 2. 3: Added maximum length information for the following: Claimant Email Address Claimant Name Credit Card Chargeback Reason Code Dispute Amount Seller Protection Payout Amount: October 2012: 7. For chargeback reason code 4837 (No Cardholder Authorizations) second presentments, new information such as a merchant name, location, or dates will no longer be allowed as a potential remedy to this chargeback when a merchant’s information is a complete mismatch between the authorization and clearing. The chargeback reason code. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Reason. Visa groups its various reason codes into several broad dispute categories. What is the chargeback reason code?. Complete Guide to Visa Compelling Evidence Update CE 3. This reason code is assigned when. . 65 - Withdrawal limit exceeded: The transaction would exceed the. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theA false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 00. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. The first liability shift went into effect in October 2015 and covered almost all card-present transactions except for those that take place at ATMs and gas pumps. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Betty's issuing bank assigned chargeback reason code 10. 4808: This code can refer to: Account Number Not on File. . These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. The most comprehensive guide to chargeback reason codes. A new 4 byte reason code will be used moving forward. EMV Liability Shift Non-Counterfeit Fraud. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. 1st Chargeback. Chargeback /Dispute; Merchant Response. MasterCard: Reason Code 4859 Services not rendered. Acquirer Use of Message Reason Code 7623. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. But, it could be up to 540 days, in some situations. In the case of an arbitration chargeback, though, the issuer must file within 45 calendar days of the second presentment settlement date. 13%: 0. 0 to 5. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Of course, some of these inquiries will still inevitably progress to the chargeback phase. Description: Not Sufficient Funds - Not Sufficient Funds, NSF, Insufficient Funds, ISF are the same message. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Four reason codes have modified time frames: Reason Code 10. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. 4: Other Fraud – Card-Absent Environment. You take approval before processing, right? If you have been accepting credit cards, you must have learned what will happen if you don’t. 3 is the less common version for card-present transactions. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Complete Guide to Visa Compelling Evidence Update CE 3. All received credit card disputes include a reason code. Reason Code 53: Not as Described or Defective Merchandise. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). 2. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. This code tells you why the customer or bank initiated the dispute. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. 634. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Chargebacks are something every business wants to avoid, as they can. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Tim Tynan. Justt, a Tel Aviv-based chargeback mitigation startup, is emerging out of stealth today with $70 million in total funding. 3. Betty's issuing bank assigned chargeback reason code 10. From there, a merchant can accept the chargeback or take action through the representment process to attempt to have the chargeback reversed. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. On xx/xx/xxxx, we received a chargeback under the reason code 11. 6. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Often, consumers misuse or intentionally abuse the chargeback process to receive free products, which is commonly referred to as “friendly. It’s even more frustrating if you don’t understand what the chargeback code means. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. 4853 – Cardholder Dispute – Credit Not Processed. 4. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. 0. . chargeback. Reason. This reason code indicates that the merchant processed a transaction using the wrong transaction code. C RAM Minimum 1 GB RAM Supported Browser Microsoft Internet Explorer 11. 0 rule changes take effect April 15,. Required Authorization Not Obtained. Apparel retailers and suppliers must proactively address chargeback issues. Chargeback reason codes fall under three main groups: Fraud. Message. Chargebacks. Most commonly a Reason Code 70 chargeback occurs when the merchant processes a transaction below its floor limit without making sure that the exception file had been checked. Specify the invoice date and net due date to assign to chargebacks. For each reason code, a definition isOne catch is that CE3. The merchandise was as described or was not defective. 4846 — Incorrect Currency Code. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. the requested documentation, your account will be debited. Another downside is that chargebacks on annual subscriptions. Below are some examples of more common reason codes. The terminal action codes are in Table 122 of the 4. 0: Updated report version from 1. Reason Codes: 22 / 23 / 32 / 35. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. This provided a number of insights into the typical causes of subscription chargebacks by industry: Computer Software : Cancelled Services was the most common chargeback reason code, which is troubling because these should be easily avoidable disputes. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Most reason codes apply to any merchant, regardless of what’s being sold. However, the 30 day waiting period can be waived if you’ve. A cardholder claims that they did not receive the service or merchandise they ordered. 7 falls under the “Consumer Disputes” category. But, merchants should be aware that, eventually, everyone will be required to use the new designations. However, Visa is the largest card brand in both the United States and the world. France saw a drop of roughly 50% during the same period. The sales receipt and/or date and amount of the authorization if other than the transaction date. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Visa Chargeback Reason Code 70: No Verification/Exception File Description The buyer’s bank received a transaction that was below the merchant floor limit and. If you do perform a key-entered transaction, make a manual imprint of the card. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. The reason code assigned helps to identify the evidence the Merchant needs to show as proof that the transaction was valid. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Code. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. The cardholder claims they were charged multiple times for a single transaction. Step #2 | Report the Scam to PayPal. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Discover uses unique codes to explain those reasons to merchants. 02/10/16 Added Debit Chargeback Reason Codes. Febuary 2013: 7. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. ”. Early Warning: Reaching a chargeback ratio of 0. A recent survey by Checkout. ”. PIN data required. For perspective, the next highest. UA06 Fraud – Chip and PIN Transaction. The shorthand description is “Incorrect Transaction Code. With that said, you still need to understand the reason codes with any chargebacks from Amex. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 14 - Invalid Card Number. In the world of chargebacks, card networks almost always side with cardholders. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Thus, the easiest way to prevent chargeback reason code 75 from being filed is to use a billing descriptor that is easily recognizable. The merchant didn’t: Issue a refund for canceled or returned merchandise. 00. For Visa disputes, the reason code also dictates which workflow the case will take. ’A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. 11, 16. Founded in February 2020 by Roenen Ben-Ami and Ofir Tahor, Justt says it. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Visa Chargeback Reason Codes. Your firm needs to embrace a customer-centric approach focused on transparency and. This process is called. All of Visa’s existing reason. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Responding to Mastercard Reason Code 4853 Chargebacks. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. Issuer Chargeback The table shown below details the requirements for this message reason code. 196 Please note that the most common Chargeback reason code for Allocation disputes is 10. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 0 only applies to reason code 10. 70 Account number on exception file; 71 Declined authorization; 72 No authorization obtained; 73 Expired card; 74 Late. 1. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Unlike other. It is a valuable resource for anyone involved in the payments industry. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Specify the default reason code that you want the system to assign when you enter a chargeback amount. A recent survey by Checkout. See full list on paymentdepot. . Every chargeback should be analyzed when you receive it, and chargebacks with a valid basis should just be accepted. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Our industry expertise combined with proprietary FPR-360 technology allows us to recover 3x more chargebacks than the industry average. Try Shopify free for 3 days, no credit card required. 70. . These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. For more information on these and other updates, check out our complete chargeback reason. The shorthand description is “Chip Liability Shift. . You can learn more about each one by visiting the Mastercard Chargeback Guide. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. Cardholder-Activated Terminal (CAT) 3 Device. It was originally just one facet. . Chargeback. Chargeback Guide (PDF) - MasterCard. 7% decrease: Guadeloupe: 1.