Chargeback reason code 83. For each reason code, a definition isCard networks send these codes to merchants to indicate why a chargeback has been filed. Chargeback reason code 83

 
 For each reason code, a definition isCard networks send these codes to merchants to indicate why a chargeback has been filedChargeback reason code 83  Reason codes are important to help merchants address recurring

Payment Transaction Response Codes. 83 Fraud- Card Not Present Environment 85 Credit Not Processed 86 Paid by Other Means 90 Non-Receipt of Cash at ATM 96 Transaction Exceed Limited Amount DISCOVER Reason Code Description 4750 AL Airline Transaction Dispute 4541 AP Recurring Payment 4586 AW Altered Amount 4751 CA Cash Advance Dispute 4550 CD Credit Posted as Card Sale 4 Section . • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 85: Credit not processed. Card networks send these codes to merchants to indicate why a. These chargebacks occur to resolve chargeback-related disputes between network members. Authorization errors generate due to a lack of authorization or a non-compliance issue. 8qnqrzq 83& < %honb&rpsoldqfh#ehon frp vnx qrw rq 6wruh doorfdwlrq1 %honb&rpsoldqfh#ehon frp & plvvlqj ru ghihfwlyh 5),' wdj< %honb&rpsoldqfh#ehon frp $ ,qyrlfh vhqw sulru wr ilqdo $61 vklsphqw1 %honb&rpsoldqfh#ehon frp 6kruw vklsphqw ri juhdwhu wkdq ri 321 %honb&rpsoldqfh#ehon frp. About American Express chargeback reason codes. 2 falls under the “Processing Errors” category. A “No Authorization” code chargeback can also be the. Field name: arbitrationExplanation. 4: Fraud—Card-Absent Environment. By entering your email, you agree to receive marketing emails from Shopify. May 2011: 5. This ranges anywhere from roughly 60 to 90 days after purchase. 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. 99. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. What is Visa chargeback reason code 10. R13 No Reply. 4853. 0 to 5. 2. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Discover uses unique codes to explain those reasons to merchants. Only an issuer can initiate the chargeback process. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 4841 Canceled Recurring or Digital Goods Transactions. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. When a customer files a chargeback, the merchant receives a notification with an applicable chargeback reason code. 0. For those unfamiliar with the concept, Friendly Fraud is when a cardholder claims fraudulent activity when a transaction was processed legitimately. ; Help Center Find answers to common questions about Midigator’s technology,. 2. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. 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. This will be referenced in the chargeback notice you received. 2. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. #4 step: The issuer assigns a chargeback reason code. Use order validation and prevention alerts. Step 1: Identify the Source. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Fraud Reason Codes Current Reason Code New VCR Reason Code 62(2) 10. Unfortunately, fraudsters. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andReceive the Chargeback. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. The good news is, the chargeback reason code should give you a great indication of where to start. High-Risk (Excessive): Reaching a chargeback ratio of 1. 4841. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. This statement item can later be reversed, or made permanent, depending on the reason for the credit issuance. Reason Code. Apparel retailers and suppliers must proactively address chargeback issues. Take the time to note the following dispute reason codes for Visa. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. For example, a debit may have been processed instead of a credit, or a credit processed instead. Table A-1 shows all possible values for the <response> and. Either the acquiring or issuing bank could initiate the chargeback. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. What’s required to board a High Risk Business Merchant? Chargeback Representment Cycle. Chargeback reason codes. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. 4 Other Fraud Card Absent. up under any number of different chargeback . 100187 and ANSI X9. . 83 - Fraudulent Transaction. Reason Code Directory. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program,” are excluded from program monitoring. 0 August 4, 2023;Chargeback Reason Codes by Industry. Collect Compelling Evidence. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. PCI DSS v3. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. Valid chargeback reason codes are defined in UDC 03B/CB. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. These modifiers can range from where the transaction is processed to what kind of goods are purchased. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Visa reason code 83, and similar designations from other card brands, encompass most of the fraud e-retailers face. There are over 80 unique return codes, and each one represents a different type of return. Every dollar disputed represents a loss to the merchant of $3. Visa Chargeback reason code 83 is used when there is a complaint from a cardholder that he or she neither participated in the transaction nor authorized it. Review your credit card processor’s policies to understand its chargeback dispute process. 2. Maestro. 3. Respond to invalid disputes. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. Chargeback time limits vary depending on the reason for the dispute. You’ll put that reason code, the transaction amount and authorization number, and state that the. Chargeback reason code 12. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. UA01 Fraud – Card Present Transaction. A recent survey reported that 83% of consumers intend to purchase a gift card this holiday season. View the entire list or search for any chargeback reason code. Those reasons are explained through the corresponding reason codes. All chargebacks start with a customer making a purchase in person, in an app, or online. Description: Arbitration explanation should be provided when the reason code is 24. What is a reason code? 3. Reason code 83 represents a chargeback categorized as Fraud - Card Not Present (CNP) Transaction. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. Check the chargeback reason code. Cancelled Recurring Transaction. But friendly fraud is much more ambiguous. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. For best results, your chargeback win rate should be as close to 100% as possible. Before exercising a Chargeback right, the Issuer must attempt to honor the Transaction. 4853 – Cardholder Dispute – Credit Posted as a Purchase. The shorthand description is “No Authorization. Goods / Services Damaged or Defective. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. The Chargeback Reason Code Format. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Banks may issue a credit to an account holder at their discretion. 4: . Chargeback reason code 10. Reason . The shorthand description is “Fraud—Card-Absent Environment. Late Presentment (Chargeback Reason Code 83) is a type of chargeback issued by American Express when a merchant fails to submit a transaction for processing within a. Managing Reason. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. At Visa they used to receive reason code 98. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Some payment service providers like PayPal and Stripe have their own reason codes as well. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. Look below the surface. None, although there is a $0. On xx/xx/xxxx, we received a chargeback under the reason code 11. . Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Try Shopify free for 3 days, no credit card required. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Versions Affected: v5, v6. Retrieval Request/ Copy request Reason Codes. Find explanations for the major credit card issuers’ dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaFor Visa disputes, the reason code also dictates which workflow the case will take. The cardholder isn’t claiming that the entire transaction is invalid—that it was fraudulent or unauthorized—but that they either didn’t agree to certain charges or that the merchant failed. 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. These reason codes are an important part. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Availability Date: October 24th, 2021. 4. Chargebacks with the following reason codes are requested due to fraudulent activity. The shorthand description is “Fraud—Card-Absent Environment. compliance process depending on whether a chargeback right exists. Another downside is that chargebacks on annual subscriptions. 00. The shorthand description is “Incorrect Transaction Code. Cardholder Disputes. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. Below is a full list of reason codes that require compelling evidence: 37; 83; 1040; 1310; 7030; C08; F29; UA02; Empty reason codes; If a dispute has any other reason code, there are no specific evidence requirements, and the evidence does not need to be categorized. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The network hasn't wholly disallowed some old codes. Updated the following reason codes: Wrong Amount or Date Paid with Other Method: September 2015: 7. Reason Code Revised Explanation of Charges Penalty Team ADLTRD Product found adulterated upon receipt $500/incident DC Ops HNDGLU DC Ops Handling to fix glued boxes on pallet $75 + $100/hr + supplies DC OpsVisa Chargeback reason code 83 is used when there is a complaint from cardholder that he or she neither participated in transaction nor authorized it, and approval wasn’t obtained at the time of the transaction. Across the four major credit card networks (i. 10. Reason codes. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. 1003 - Transaction Supporting Document (TSD) needed. What is Visa chargeback reason code 13. The transaction amount and authorization number (ARN. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. 2 What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. 3: Goods or services were not received: C08: RG: 4855: 13. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Specifically, these updates only pertain to transactions that are charged back after Oct. Visa Chargeback reason code 83 is used when there is a complaint from cardholder that he or she neither participated in transaction nor authorized it, and approval wasn’t obtained at the time of. 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. 5%. ”. This provided a number of insights into the typical. 10 Tips to Prevent Fashion Chargebacks. Most dispute reason codes that. Most dispute reason codes that. An issuing bank — sometimes called a “card issuer” or simply “issuer” — is a member of a card network that issues credit cards to consumers. 196A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. underlying your chargeback. Reason Code 53 re-presentments must be. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. If you believe you have received an ACH return in error, you can contact your bank. 2. Upload to Study. Every time a merchant processes a transaction, they are supposed to send an. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. This liability shift essentially provides merchants. - Reason Code 83, "Fraud-Card-Absent Environment" - Reason Code 85, "Credit Not Processed" First. 6: Duplicate processing/Paid by other means. Chargeback amount is equal to or less than the exceeded limited /authorised amount. While the updates have been published, they do not go into effect until Oct. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. This list was generated 5/4/2022. Code 10. For example, 'R04' indicates that an invalid account number was provided. The good news is that most of these invalid claims are disputable by the merchant. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Every chargeback is filed with a reason code that identifies the given reason for the dispute. Each reason code is composed of a two-, three-, or four-digit number. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. 83: Referenced Customer Deceased: 86:Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. 00. Chargeback reason code 10. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. 93:Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 0: CAVV authentication results invalid - no verification performed: CAVV data not properly formatted Use standard authorization criteria with Issuer retaining chargeback rights: 8Chargeback Reason Codes Page 2 of 5. Versions Affected: v5, v6. Step 2: Customer initiates the chargeback. Technical. 8. Retry after 8 days. Updated the following columns - card type, response due date. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. 2. For example, for Visa reason code 83, Fraud – Card Not Present, this is defined as “Proof the cardholder participated in the transaction,. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . There are plenty of reasons as to why this would happen, hence the many. Each of these causes has a designated “reason code,” and banks assign the. 7. Added these Discover Chargeback Codes: 05, PM. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. 3. Most reason codes apply to any merchant, regardless of what’s being sold. Chargeback reason code 12. Stage 1: First Chargeback. Also, just like American Express, Discover functions as both a card network and an. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Visa chargeback reason code 83 falls under the “Fraud” category. A recent survey reported that 83% of consumers intend to purchase a gift card this holiday season. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Here are the NEW Chargebacks: Adulterated Product On-Time/In-Full (OTIF). Acquirer Use of Message Reason Code 7623. 4846. Availability Date: October 24th, 2021. Choosing what compelling evidence to submit. 1. Got a chargeback (reason code: 83) and unfortunately, I'm selling digital products that's virtual in nature, so no invoice / signed proof of shipment. Updated August 23, 2023. Code. Late Presentment - 83. Four Steps to Submit a Chargeback Response. Mastercard created Mastercom to make the chargeback process run more smoothly and allow merchants to respond to certain inquiries, called retrieval requests, which precede. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. S. FR4 Immediate Chargeback Program. Also, remember that the time frame for your response includes any processing required by the acquirer. Batch chargeback process. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 3 No Authorization. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. For each reason code, a definition isCard networks send these codes to merchants to indicate why a chargeback has been filed. The following are some examples: Visa Reason Code 13. Most common causes for Reason Code 83. 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. 4 Other Fraud – Card Absent Environment 93(1) 10. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. ” But, there is still a process users can go through to recover their money in the event of a. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Feel free to submit topic suggestions, questions or requests for advice to:. The current list of 22 Visa chargeback reason codes will be replaced with new values and grouped into four new categories of disputes: Authorization, Fraud, Processing Errors and Consumer Disputes. Cost. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. A reason code or a chargeback reason code is a string of symbols (numbers and letters). High Level Visa Chargeback Dispute Flow. Spot these types of chargebacks using the below reason codes. Specify the invoice date and net due date that you want the system to assign to chargebacks. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). 1 Quick Reference Lead. 3. The cardholder may be the customer or the someone who lent their card to a friend or relative. Reason codes vary by card brand. 65 fee for uploading scanned documents. Chargeback response template for Digital Goods Not Received chargeback. Of course, some of these inquiries will still inevitably progress to the chargeback phase. 3 is an updated version of legacy reason code 76, which was phased out under the Visa Claims Resolution initiative. Step 1: The cardholder disputes a charge. Learn about the different chargeback reason codes and what they mean. 10. Reason codes vary by card brand. Chargeback Reason Codes. 00 EUR as a Withdrawal fee. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. The most comprehensive guide to chargeback reason codes. Reason code 4853 refers to the broad category “Cardholder Dispute. region only) 4855. 54 - Expired Card. For example, some reason codes offer cardholders over a year to file. Updated Visa Chargeback Code 83. The customer is claiming that this purchase was not authorized. This code helps you identify the exact cause of the dispute. 3. About American Express chargeback reason codes. Your firm needs to embrace a customer-centric approach focused on transparency and. 51% anticipate spending between $50 and $100 on gift cards, while 24% say they will likely spend between $500 and $5,000. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Paymentology will submit the chargeback using the appropriate chargeback reason code. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. We’ll Handle the Chargebacks. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The merchant did not receive any returned merchandise. Spot these types of chargebacks using the below reason codes. Study Resources. Visa Chargeback Reason Codes. 4. When the transaction is fraudulent and the cardholder did not authorize the transaction this code is validated. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Chargeback Reason Code. 08. The list of chargeback reason codes in this article is organized by card brand and type of dispute. EMV Liability Shift Non-Counterfeit Fraud. Protect stored cardholder data. 83 (1) Fraud – Card. 1. Search the Chargeback Reason Code Database. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 1. Reason Code 04. Merchants who believe they have received an invalid chargeback under reason code 13. I don't know why he's firing chargeback. 4853 – Cardholder Dispute – Credit Not Processed. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. the reason code doesn’t. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Follow the Rules. . Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. Understanding Visa’s New 2023 Chargeback Rule: Compelling Evidence 3. Card no present transaction can be applied to internet healthcare transactions, mail orders, advance payments, telephone orders, and. Having a Lax Attitude Toward Industry Rules & Regulations. Chargeback reason codes. Retry after 8 days. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. The most comprehensive guide to chargeback reason codes. com. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Values are: Blank: Use the receipt G/L date.