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Key

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  • 120 days from the date of receipt of Goods or Services
  • 120 days from the Network Processing Date of the Presentment

Dependencies

  • For "not as described":
    • Cardmember Documentation or Issuer Declaration detailing the Cardmember's Good Faith attempt(s) to return the Goods or cancel the Services (including the date(s), person(s) contacted, and communication method(s) used by the Cardmember),
    • Record of Charge or other Documentation containing a written description of the Goods or Service(s) purchased.
    • A description of the Goods or Services received 
    • Proof of return of Goods or cancellation of Services, when applicable
  • For "defective", Cardmember Documentation or Issuer Declaration of the defect
  • For "quality", Cardmember Documentation or Issuer Declaration of the quality issue
  • The Cardmember has failed in a good faith attempt with the S/E to return Goods or cancel Services.Cardmember attempted to resolve with merchant

Validations

ValidationValueLogicAssociated Rule(s)
Within association window for submitting the chargebackTrueSee timeframesHasChargebackWindowExpired

Is Eligible for 4553 Not as Described or Defective Merchandise

  • Is Not as Described or Defective Merchandise Claim Reason
  • Is a POS transaction
  • Transaction Amount > $25
True
  • Claim Reason = MerchantDamagedDefective, MerchantQuality, MerchantNotAsDescribed AND
  • IsPOSTransaction_A = true AND
  • Transaction Amount > $25
Is4553EligibleCheck_A
A transactions to fund a Stored Value Digital Facility (SVDF).False

MCC = 6540

IsSDVFTransaction_A

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