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  • Issuer Declaration that indicates the Chargeback description.
  • If the Transaction amount exceeds the estimated amount by more than 15%, a copy of the specific estimate of the capital damages agreed to by the Cardmember, showing the amount agreed upon with the car rental merchant.
  • If the Cardmember purchased the merchant’s collision, loss, or theft insurance - Documentation that proves the Cardmember purchased, and was charged for the  car rental merchant’s collision, loss, or theft insurance.
  • If the Cardmember was charged for theft or loss of use of the vehicle - Documentation that proves the Cardmember was charged for theft or loss of use of the vehicle.

Document Requirements

  • Copy of Rental Agreement - Always required for this chargeback reason.
  • Estimated Damages Documentation - Required when the Cardmember required a quote for the cost of the estimated damanges.

Validations

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

Is Eligible for 4750 Car Rental Charge Non-Qualified or Unsubstantiated

  • Is Car Rental Charge Non-Qualified or Unsubstantiated Claim Reason
  • Is a POS transaction
  • Transaction Amount > $25
  • Merchant Car Rental Transaction
True
  • Claim Reason = MerchantChargedLossTheft AND
  • IsPOSTransaction_A = true AND
  • Transaction Amount > $25 AND
  • MCC = 3351 - 3441
Is4750EligibleCheck_A
A transactions to fund a Stored Value Digital Facility (SVDF).FalseMCC = 6540 IsMPQRTransaction_A

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