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Comment: Converted from version 'Stable'.

Timeframes

120 days from the Network Processing Date of the Presentment or

...

Chargeback Reason

The Cardmember denies participation in a Mail/Telephone/Internet Transaction, which may or may not have been Authorized by the Issuer.

Description

A mail order, telephone order, or Internet type Transaction, was processed by an merchant without the permission of the Cardmember whose Account number was used.

Conditions

The following conditions exist for Chargebacks processed under this ISO Code:

  1. Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository. 
    Note: Issuers may not raise this Chargeback on Transactions originating from S/Es merchants in the United States or Canada solely for the S/E’s failure to obtain a signature from the Cardmember as Proof of Delivery.
  2. 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

...

Timeframes

  • 120 days from the Network Processing Date of the Presentment.

Dependencies

  • Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.

Validations

ValidationValueLogicAssociated Rule(s)
Within association window for submitting the chargebackTrue120 days from the Network Processing Date of the PresentmentHasChargebackWindowExpired

Is Eligible for 4540 Card Not Present

  • Is a POS transaction
  • Transaction Amount < $25
  • A mail order, telephone order, or Internet type Transaction 
TrueIs a
  • IsPOSTransaction_A = true AND
  • IsMOTO_A = true AND
  • Transaction Amount > 25
Is4540EligibleCheck_A
A Card Present TransactionFalseCard present , position 6 = 1

IsCardPresent_A

Printed Card Security Code (PCSC) was provided in the Auth message (1100) and Issuer failed to provide a PCSC validation response of “Y” or “N” in the POS Authorization Response (1110) message.FalseAAV response code is not = Y or NPCSC Validation Code = U

IsCSCVerified_A

Cardmember address information was provided to the Issuer in the POS Auth Request (1100) message and either:

a.
  • The Issuer is located in the United States or Canada and does not participate in the AAV program
, or
b.
  • The
S/E
  • merchant shipped physical Goods to a address verified through the AAV program, where the Issuer response:
         i.
        • A street address match
      , or
         ii.
        • A street address and postal code match 
    		Falsea. AAV response code= U
    b. PCSC Validation Code = A or YTransaction qualifies for the American Express SafeKey Fraud Liability Shift OR
    AVV Response code = Y or A

    IsAddressedVerfieid_A

    A SafeKey TransactionFalse

    Program Indicator

    in 892-893 of First Pres 1240 msg = 4

    Code = 04

    		 IsSafeKeyTransaction_A
    Is a Digital Wallet Contactless-initiated Transactions, Digital Wallet MST Transactions, or Expresspay Mobile.FalseCard present, position 6 = Y or
    Card present, position 6 is Y or Z and Auth Request

    IsDigitalWalletTransaction_A = true OR

    IsExpressPayTransaction_A = true OR

    Service Code = 141

    or
    Card present, position 6 = X    		Is a Digital Wallet Application-initiated Transactions that has been granted an exception as part of the AEGNS Risk Assessment FalseCard present, position 6 = Z and "granted an exception?"Is a

    IsDigitalWalletOrExpressPay_A

    Is a Consumer-Presented Quick Response (CPQR) Transactions.FalseCard present, position 6 = XIs a
    • CardPresent = 1 AND
    • Card Data Input Mode = 3

    IsCPQRTransaction

    A Merchant-Presented Quick Response (MPQR) Transactions.False

    Card present

    , position 6 = X

    = 8 AND

    Card Capture Capability Code = 7

    		IsMPQRTransaction_A

    Related Questionnaires

    Fraud Questionnaire

    ...