ISO 20022 · Return reason

EMVLEMV Liability Shift

Registered in sourceSource release: August 2026 (v3)

Published definition

The card payment is fraudulent and was not processed with EMV technology for an EMV card.

Code set and usage

Return reason contains 104 registered codes. Its exact identifier is ExternalReturnReason1Code.

Specifies the return reason, as published in an external return reason code list. External code sets can be downloaded from www.iso20022.org.

Use the code with the applicable message version and implementation guide. A matching code value alone does not establish the same meaning in another set.

View 59 published message references