S D D. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. With the right compelling evidence,. Typical chargeback reason codes are: DA: Disputed amounts. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Amex Processing Errors Chargeback Reason Codes P01 — Unassigned Card Number Goods / Services Damaged or Defective. These are only a handful of common Visa chargeback reason codes. The reason codes are grouped into several broad. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. There are also specific return time frames, which can differ. Reason codes are important to help merchants address recurring. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. 3. Technical. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. A cardholder claims that they did not receive the service or merchandise they ordered. This chargeback occurs when merchants do not adequately provide currency information. 1. R13: Retrieval Response Not Received-Miscellaneous: Discover: 4534 DP: Duplicate Processing: 120: Processing Errors: Discover: 4541 AP:. Stage 1: First Chargeback. Once filed, the merchant generally has 20 days to respond to the chargeback. The three-character code notes the specific reason. VCR Dispute Reason Code 10. R07 – Authorization revoked by customer. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. If the funds are now available, or you want to pay your outstanding balance by credit card, call us at 888-692-9559. 2. This page includes both the new and old Visa reason codes. MASTERCARD. 5 under Visa Claims Resolution). 2. Visa Chargeback Reason Code 13. Reason Code R13: No Reply. If the order was genuinely not as described, then the cardholder has a case. 5? Visa chargeback reason code 13. Updated these Discover Chargeback Codes: U05, U06. F14* Missing Signature. Either the acquiring or issuing bank could initiate the chargeback. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 00 EUR as a Withdrawal fee. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. 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. Discover chargeback reason code 7030. This can be transaction receipts, proof of. Friendly fraud. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Claim Adjustment Reason Codes - All . Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Evidence for Dispute Responses When Under VFMP. Across open networks and include account numbers sent over email, instant messaging, text, or chat. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. R13: Invalid ACH routing number:. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. This code tells you why the customer or bank initiated the dispute. 60. Chargeback Reason Codes for AMEX. Additionally, Amex uses a fifth "Miscellaneous" category. Each card network maintains reason codes to cover all the disputes that qualify for. 2. Chargeback Reason Codes Page 2 of 5. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. For a brief overview of chargeback reason codes, refer to the table below. The third digit indicates the specific reason within that category. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Reason Code 53 Re-presentment Conditions. All ACH return reason codes consist of the letter “R” followed by two. Essentially, even a $50 chargeback can become $125 with all the extra fees. The charge submitted represents an amount in excess of the approval code received. 4 applies to eCommerce, whereas code 10. 4853 – Cardholder Dispute – Credit Not Processed. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. A previously open account is. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Expedited Dispute Resolution forms will not be allowed. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. com 14. chargeback: The buyer filed a chargeback with the credit card issuer. ACH Return Code R51 – Item Related to RCK Entry is Ineligible or RCK Entry is Improper. The new reason codes follow a format of two digits, a period, then a third digit. 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:Chargeback reason codes have changed. 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. The reason code identifies the kind of credit memo that is being requested. 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. Tips And. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. A retrieval request—sometimes called a “soft chargeback”—is a method of obtaining a copy of the paperwork to validate a transaction. Cardholder. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. ACH Return Code R50 – State Law Affecting RCK Acceptance. Chargeback. reason code information. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Visa Chargeback Life Cycle. About American Express chargeback reason codes. Clerical Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. A counterpart program, the Visa Dispute Monitoring Program, may apply to both fraud- and non-fraud-related reason codes. 0 to 5. Reason Code. The shorthand description is “Insufficient Reply. P03 – Credit Processed as Charge. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. 10. 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. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Timeframe to Initiate Chargeback 120 calendar days from the date of the transaction Representment Rights/ Merchant Action Proof that a Credit which directly offsets the Disputed Charge has already been processed Issuer Required Documentation None Special Notes Inquiry required prior to Chargeback. 1 Quick Reference Lead. Collect Compelling Evidence. Chargebacks. Erläuterung. Discover: Reason Code 4755 Non-receipts of goods or services. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. Chargeback Reason Codes and Descriptions. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. 1=1010, 10. The cardholder may be the customer or the someone who lent their card to a friend or relative. The problem continues to grow out of control with each year. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. By entering your email, you agree to receive marketing emails from Shopify. American Express Chargeback Reason Codes American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. 1About American Express chargeback reason codes. At Visa they used to receive reason code 98. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. ’Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER Reason Code 4502 4534 4540 DISCOVER 4541 DISCOVER 4550 DISCOVER 4553 DISCOVER DIS. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Chargeback Reason Codes by Industry. P22 – Non-Matching Card Number. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. You must enclose the hold code with double quotation marks (" "). The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. REQUEST A DEMO. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. US and Canada. Discover - RG Non-Receipt of Goods, Services, or Cash. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Code 13. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. American Express did not receive a response to an inquiry within the specified timeframe. Discover: Reason Code 4755 Non-receipt of goods or services. Values are: Blank: Use the draft G/L date. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. R13: Invalid ACH Routing Number:. 4 falls under the “Consumer Disputes” category. American Express is incentivized to keep their customers happy. Typically you will see this return code when a customer revokes authorization for a recurring payment schedule, and you continue to process payments as part of that schedule. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. The Challenges of Chargeback Disputing and Delivery;. 0. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). The transaction stands incomplete and funds are not secured. American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. Write Off. Discover is a credit card network and an issuing bank—just like American Express. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Common reason codes Mastercard. Card Member cancelled, refused or returned goods and/or services A dispute often has a reason code associated with it. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. M01 — Chargeback Authorization. AC01. 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. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. EMV Liability Shift Counterfeit Fraud. It is important for the merchant to know about the American Express Chargeback. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 2. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. They can also be caused by a merchant failing to process a cancellation promptly. The merchant did not provide a response to an Amex inquiry within the specific time period. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Expedited Dispute Resolution forms will not be allowed. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. The implication is that the merchant is at fault. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Mastercard has plans to follow suit. Chargeback reason codes. 905. 196Click “filter orders”. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. the Chargeback. What is American Express chargeback reason code R13? American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. R13: No Reply: M01: Chargeback Authorization: M10: Vehicle Rental - Capital Damages: M49: Vehicle Rental - Theft or Loss of Use: FR2: Fraud Full Recourse Program: FR4:. Visa chargeback reason code 75 is filed as an honest mistake. Merchants who believe they have received an invalid chargeback under reason code 13. 26% - the number of chargebacks that result from undelivered orders. Since the chargeback process can be costly and time consuming, merchants should consider it an important priority. DTA C7b. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. 1 Merchandise/Services Not Received. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. Card Not Present. Card Member cancelled, refused or returned goods and/or. 1. 1=1010,. 101. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. R06 – Returned due to ODFI’s request. Visa chargeback reason code 13. Bundes bank. Consider Deadlines. The merchandise was as described or was not defective. 1 Merchandise/ Services Not Received. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. Card Type Reason Code. 1. ”. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. ↩ Back to Directory. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Category. Chargeback Reason Codes by Industry. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. EMV Liability Shift Non-Counterfeit Fraud. If you're contesting a chargeback, you'll need solid evidence. Reason Code 12. As a result, the bank’s routing numbers. Explanation. Reason Code 81: Fraud. Every chargeback comes with a reason code. MT9xx. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. The card provider then processes this information and determines the. 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. American Express. 1 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 4512: Duplicate Processing:What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. 2: No Authorization. Not recognizing your billing descriptor on a statement. Inform your acquirer of the date that the credit was issued. Check the balance of the bank account associated with your QuickBooks Payments account. Each card network maintains reason codes to cover all the disputes that qualify for. R05 – Unauthorized debit to consumer account using Corporate SEC code. F10* Missing Imprint. The chargeback reason code. To indicate the reason of the return, ACH provides a reason code that we return in the NOTIFICATION_OF_CHARGEBACK and CHARGEBACK webhooks, and in your Customer Area > Risk > Disputes. 2. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Now that you know a little more about the meaning behind ODFI and RDFI, here are some of the most common ACH return codes: ACH Return Code. Visa. American Express . 1 EMV Liability Shift 10. The main chargeback reasons look like this: Malicious fraud. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. With that said, you still need to understand the reason codes with any chargebacks from Amex. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. How you respond is determined by the chargeback reason code: Embed This Graphic. R01 – Insufficient funds. (See ACH Chargeback Return Codes for more information. This will be referenced in the chargeback notice you received. A chargeback happens when a customer requests for a transaction to be reversed. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. REASON CODE R13 NON-RECEIPT OF. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date)A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Credit memo approval ranges cannot overlap for approval limits with the same reason code and currency. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Kontonummer fehlerhaft (ungültige IBAN) SEPA Reason Code bei: SCT. The transaction amount and authorization number (ARN. When you do the math,. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. 6? Chargeback reason code 13. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. Retrieval Request. Visa chargeback reason code 11. Updated the following columns - card type, response due date. Visa groups its various reason codes into several broad dispute categories. Reference these when rebutting cardholder disputes at your small business. 4? Visa chargeback reason code 13. Blog. compliance process depending on whether a chargeback right exists. No Valid Authorization. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Fraud. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. Chargeback. For example, 'R04' indicates that an invalid account number was provided. ”. Chargeback Code: Type: Inquiry Related Chargeback: R03* Insufficient Reply: R13* No Reply: M01* Chargeback Authorization: Code: Type: Chargeback Programs: FR2: Fraud Full Recourse Program: FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback ProgramMidigator has created a database of reason codes. The Visa Digital Goods Merchant Fraud Monitoring Program is effective as of April 1, 2023. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. 1 falls under the “Consumer Disputes” category. UA06 Fraud – Chip and PIN Transaction. It is important for the merchant to know about the American Express Chargeback Reason Codes when dealing with a chargeback. R13. ACH Return Code R52 – Stop Payment on Item Related to RCK Entry. Message. R03 – Unable to locate account or no account. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. When one cardholder initiates a dispute with their issuing bank, a. Reason Code 04. P08 – Duplicate Charge. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. 6: Duplicate processing/Paid by other means. Paid by alternate means and card. P01 – Unassigned Card Number. Each chargeback is assigned a reason code that explains the justification for the chargeback. 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. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. M01 — Chargeback Authorization. The merchant failed to ship the merchandise by the promised delivery date/time. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Last updated: October 15, 2019 . The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Detail. Retrieval Request. Chargeback reason code 11. They only bill customers during a dispute if there is compelling evidence to show the cardholder’s account is in the wrong. Solution. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. P08 – Duplicate Charge. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not. Specifically, these updates only pertain to transactions that are charged back after Oct. Here's a list of all the current Visa reason codes: Chargeback Code. Chargeback Reason Codes Visa. Each chargeback is disputed by a specific reason code. The cardholder claims they were charged multiple times for a single transaction. 5,. For example, Visa Chargeback reason code 83 is now VCR reason code 10. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 4846. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. 4 Funding Process. 4: Other Fraud – Card-Absent Environment. Each code begins with 'R' followed by a two digit number. Description. Note: If there are no Motives applicable to the Reason Code, this field contains “0. The assigned chargeback reason code outlines why a customer submitted the dispute. Legacy Code: 71. P05 – Incorrect Charge Amount. Let’s say you got a Visa chargeback with reason code 13. Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. R-Code. These codes are broken down into five different category. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Some common Visa reason codes include: 10. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. However, it is important to note that this reason code is based on the reason given by the customer to their bank. The newer system is designed to. American Express chargeback reason code R03 falls under the “Inquiry/Miscellaneous” category. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Partners. R01. 3. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. C. Retry. This process is called. ” This code indicates that the cardholder had reason to believe they were going to receive a refund, but no credit to their account has yet been processed. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. Visa also overhauled its system of chargeback reason codes. 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. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. You can be inducted into both programs at the same time.