Timeframes
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Chargeback Reason
Either of the following:
- The Cardmember received Goods or Services that are different than the written description provided by the merchant at the time of the purchase, or
- The Cardmember received damaged Merchandise or defective Merchandise or Services.
Description
The Issuer may charge back a Transaction using this ISO Code when the Cardmember attempted to return Goods or cancel Services and one (1) of the following:
- The Goods or Services received by the Cardmember are different than the written description provided by the merchant at the time of purchase, including a dispute related to the quality of Goods or Services received by the Cardmember.
- The Goods or Services purchased by the Cardmember were received in a damaged or defective state.
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
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- The Cardmember has failed in a good faith attempt with the merchant 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 merchant's return policy when attempting to return the Goods or cancel the Services.
Timeframes
If applicable, before initiating a Dispute, an Issuer must wait 15 calendar days from either:
- The date the Cardmember returned/attempted to return the merchandise.
A Dispute must be processed no later than either:
- 120 days from the date of receipt of Goods or Services
- 120 days from the Network Processing Date of the Presentment
Dependencies
- Cardmember attempted to resolve with merchant
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- Program Indicator in 892-893 of First Pres 1240 msg = 08
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Card present, position 6 = X
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- Card present, position 6 = X
- Card Acceptor High Risk Indicator = F
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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
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- Card Acceptor High Risk Indicator = I, S or X or
- MCC = 7801, 7802, 7995
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Related Questionnaires
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- Card Acceptor High Risk Indicator = S, I, F, T or X
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Card Data Input Mode, position 7 = 9
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