[travisjungroth]

I’m just reasoning from my limited experience and the article. Stripe unifies those reasons codes. Increase doesn’t. It might be that the Chargeback has the processor and chargeback code as attributes.

So rather than have a universal “goods and services not received”, it’s a 13.1 for Visa, a 4855 for MasterCard and a F30 for Amex. This matters when the boundaries are different. For example, they all split up the categories of fraud differently.