---
title: "Cartes Bancaires chargebacks"
url: "https://docs.adyen.com/risk-management/chargeback-guidelines/cartes-bancaires-chargebacks"
source_url: "https://docs.adyen.com/risk-management/chargeback-guidelines/cartes-bancaires-chargebacks.md"
canonical: "https://docs.adyen.com/risk-management/chargeback-guidelines/cartes-bancaires-chargebacks"
last_modified: "2020-09-03T17:05:00+02:00"
language: "en"
---

# Cartes Bancaires chargebacks

[View source](/risk-management/chargeback-guidelines/cartes-bancaires-chargebacks.md)

Cartes Bancaires is the most widely used payment method in France, and can also be used to process on international networks.

Be aware that Cartes Bancaires chargebacks with reason code 45 (**Fraud -Disputed transaction**) are not defendable.

However, Adyen automatically defends Cartes Bancaires chargebacks for the 3 following reasons:

* Past Chargeback Time Limit (> 400 days).
* Credit previously issued (transaction needs to be refunded before the chargeback is issued).
* 3D Secure Fully Authenticated Transaction.

## Reason codes and guidelines

For a list of Cartes Bancaires dispute reason codes, see [Dispute reason codes](/risk-management/understanding-disputes/dispute-reason-codes/?tab=chargeback_1#cartes-bancaires).
