Timeframes

Conditions

All of the following:

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• A fraudulent transaction resulted from the use of a counterfeit card at a non-hybrid terminal
• A fraudulent transaction occurred at a hybrid terminal but DE 55 was not present in the Authorization Request/0100 or Financial Transaction Request/0200 message

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120 days from the Network Processing Date of the Presentment

Conditions

The Issuer must meet all the following conditions:

1. The Transaction information must be submitted to the GNS Fraud Repository as fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
2. The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.
3. The Issuer was certified by AEGNS to process AEIPS Chip/PIN Card Transactions on or before the Transaction date.
4. The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/ Non-received FLS.
5. The Transaction occurred at an S/E located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS.
6. The Transaction occurred on or after the AEGNS-designated AEIPS Lost/Stolen/Non-received FLS effective date for both the Issuer and Acquirer countries.
7. The Card is identified as chip and PIN and one (1) of the following conditions are met:
   1. The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was not performed, or
   2. The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was performed but the PIN was not used 
      due to the Terminal not being capable or the PIN pad was not working.
8. For Final Chargeback - This Chargeback is only applicable if the First Chargeback was either a fraud type or one of the following:
   1. 4512 - Multiple Processing
   2. 4516 - Request for Support Not Fulfilled
   3. 4517 - Request for Support Illegible/Incomplete
   4. 4754 - Local Regulations/Legal Dispute

Dependencies

• A cardholder letter, email, message, or completed Dispute Resolution Form describing the cardholder’s complaint in sufficient detail to enable all parties to understand the dispute.
• Account Block and Reissue MUST be completed
• Fraud Reporting MUST be completed
• Exception File Listing MUST be completed

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