Timeframes
Chargeback maximum time to file is either of the following:
- 120 days from the Network Processing Date of the Presentment, or
- 120 days from the date of receipt of Goods or Services
The Issuer must wait fifteen (15) days from the date of the attempted return before sending the Chargeback, unless the 120 day filing limit would be
exceeded.
Conditions
The Issuer must meet all the following conditions:
- May be used even if the Transaction was Authorized.
- Amount to be charged back is the full Transaction amount.
- Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.
- For Final Chargeback - This Chargeback is only applicable if the First Chargeback was either a fraud type or one of the following:
- 4512 - Multiple Processing
- 4516 - Request for Support Not Fulfilled
- 4517 - Request for Support Illegible/Incomplete
- 4754 - Local Regulations/Legal Dispute
Dependencies
- Cardmember Documentation or Issuer Declaration that supports the Chargeback
- The Cardmember has failed in a good faith attempt with the S/E to return Goods or cancel Services.
- The Chargeback amount is limited to the disputed amount of the Transaction.
- For Damaged or Defective chargebacks, the Cardmember must comply with the S/E's return policy when attempting to return the Goods or cancel the Services.
Dependencies
Validations
| Validation | Value | Logic | Associated Rule(s) | |
|---|---|---|---|---|
| Is a POS transaction | True | S/E is considered High Risk | True |
|
| AEIPS-compliant Chip Card Transactions where a Transaction Certificate is provided in the First Presentment, or Transaction is identified as Fallback in the First Presentment | False | Card Data Input Mode, position 7 = 9 | SafeKey Transaction which was either Fully Authenticated or Attempted and the S/E has a risk indicator of either "T" or "F.” | False | Program Indicator in 892-893 of First Pres 1240 msg = 4 and Card Acceptor High Risk Indicator = T or F | Transaction qualifies for the AEGNS Oil Fraud Liability Shift Program | False |
| Expresspay Transactions of less than or equal to the Cumulative Spend Protection Threshold | False | Card present, position 6 = X | Is a Merchant-Presented Quick Response (MPQR) Transactions with high risk indicator of F. | False |
| High Risk S/Es listed under the following categories are not eligible for Excluded Transactions under this ISO code: a. Risk indicators of “I”, “S”, “X” b. Gambling MCCs 7801, 7802, 7995 | False |
| First Chargeback was either a fraud type or one of the following: a. 4512 - Multiple Processing b. 4516 - Request for Support Not Fulfilled c. 4517 - Request for Support Illegible/Incomplete d. 4754 - Local Regulations/Legal Dispute | False |
Related Questionnaires
...
| Is a Transactions to fund a Stored Value Digital Facility (SVDF) | False | MCC = 6540 |