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  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 merchants in the United States or Canada solely for the S/E’s merchant’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

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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 
True
  • IsPOSTransaction_A = true AND
  • IsMOTO_A = true AND
  • Transaction Amount > 25
Is4540EligibleCheck_A
A Card Present TransactionFalseCard present = 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.FalsePCSC Validation Code = U

IsCSCVerified_A

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

  • The Issuer is located in the United States or Canada and does not participate in the AAV program
  • The merchant shipped physical Goods to a address verified through the AAV program, where the Issuer response:
    • A street address match
    • A street address and postal code match 
FalseAAV response code= U OR
AVV Response code = Y or A

IsAddressVerified_A

A SafeKey TransactionFalse

Program Indicator Code = 04

 IsSafeKeyTransaction_A
Is a Digital Wallet Contactless-initiated Transactions, Digital Wallet MST Transactions, or Expresspay Mobile.False

IsDigitalWalletTransaction_A = true OR

IsExpressPayTransaction_A = true OR

Service Code = 141

IsDigitalWalletOrExpressPay_A

Is a Consumer-Presented Quick Response (CPQR) Transactions.False
  • CardPresent = 1 AND
  • Card Data Input Mode = 3

IsCPQRTransaction_A

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

Card present = 8 AND

Card Capture Capability Code = 7

IsMPQRTransaction_A

Related Questionnaires

Fraud QuestionnaireQuestionnaires