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Comment: Dependencies

Timeframes

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Chargeback Reason

To transfer lost/stolen/non-received fraud liability from the Issuer to the Acquirer for Transactions conducted with an AEIPS chip and PIN Card at a POS device that is unable to process an AEIPS chip and PIN Transaction. Only Transactions that take place in designated countries are eligible for Lost/Stolen/Non-received FLS.

Description

A Transaction has occurred for which:

  • The Cardmember denies participation, and
  • The Transaction is classified by the Issuer as lost, stolen or non-received fraud, and
  • The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS, and
  • The Transaction occurred at a merchant located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS, and
  • The Transaction was processed on a Card Account that was issued with an AEIPS chip/PIN Card, and
  • The Transaction was performed using a lower level technology than the Card, (Magnetic Stripe or key-entered), or the POS device was not able to accept PIN entry.

Conditions

The Issuer must meet all the following conditions:

  1. The Transaction information must be submitted to the GNS Fraud Repository as fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
  2. The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.
  3. The Issuer was certified by AEGNS to process AEIPS Chip/PIN Card Transactions on or before the Transaction date.
  4. The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/ Non-received FLS.
  5. The Transaction occurred at an S/E a merchant located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS.
  6. The Transaction occurred on or after the AEGNS-designated AEIPS Lost/Stolen/Non-received FLS effective date for both the Issuer and Acquirer countries.
  7. The Card is identified as chip and PIN and one (1) of the following conditions are met:
    1. The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was not performed, or
    2. The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was performed but the PIN was not used 
      due to the Terminal not being capable or the PIN pad was not working.
  8. 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

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Timeframes

120 days from the Network Processing Date of the Presentment

Dependencies

  • The Transaction information must be submitted to the GNS Fraud Repository as fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
  • The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.

Validations

ValidationValueLogicAssociated Rule(s)
Not Chip Liability Shift Eligible
Within association window for submitting the chargebackTrue
  • IsCardSecure AND
  • IsChipOnCard
IsChipLiabilityShiftEligibleConsumer-Presented QR transaction that was properly identified in the Authorization Request/0100 message or Financial Transaction Request/0200 message.False
  • posEntryModePan = 3 AND
  • DE 48, Subelement 21 = 11 
IsMCQRTransaction_MCAuthorization Approval after the FNS Date. The issuer approved the transaction after submitting two or more chargebacks involving the same Mastercard card account (for this purpose, “account” means primary account number [PAN] and expiration date) for any of the following message reason codes: 4837, 4840, 4870, or 4871. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is two or greater.False

2 or more previous disputes with reason code 4837, 4840, 4870, or 4871 on the same card number

 IsApprovedAfterFNS_MCFNS Counter Exceeds 15 Fraud-Related Chargebacks. The issuer submitted more than 15 chargebacks in aggregate involving the same account for message reason codes 4837, 4840, 4870, or 4871.False15 or more previous disputes with reason code 4837, 4840, 4870, or 4871 on the same card numberIsFNSCountReached_MCA Digital Secure Remote Payment (DSRP) transaction or any subsequent transaction for a related partial shipment or recurring payment.False
  • cardholderActivatedTerminalLevel = 6 
  • terminalOperatingEnvironment in (2,4) 
  • cardDataInputMode = R
  • IsFaceToFaceTransaction != True
IsDSRPTransaction_MCA valid EMV chip transaction occurred and DE 55 and related data was provided in the Authorization Request/0100 message or Financial Transaction Request/0200 message (when online-authorized) and the First Presentment/1240 message.False

integratedCircuitCardRelatedData is not null

IsChipTransaction_MCA magnetic stripe-read or key-entered transaction occurred and was properly identified as the result of technical fallback in the Authorization Request/0100 message and in the First Presentment/1240 message.False
  • posEntryModePan in (79,80) OR
  • posEntryModePan = 01 AND
  • IsHybridPOSTerminal (posCardDataTerminalInputCapability in (3,5,8,9) AND cardDataInputCapability in (5,C,D,E,M))
IsFallBackTransaction_MCThe Authorization Request/0100 message contained a service code value other than 2xx or 6xx in DE 35 (Track 2 Data) or DE 45 (Track 1 Data)False@String.startsWith(serviceCode), "2" OR  @String.startsWith(serviceCode), "6"IsChipServiceCode_MCThe transaction was a mail order, phone order, e-commerce, or recurring payment transaction.False
  • cardholderPresentData in (2, 3, 4, 5) OR
  • cardDataInputMode = "S" 
IsMOTOTransaction_MCMastercard Commercial Payments Account. The transaction was a Mastercard Commercial Payments Account transaction. A Mastercard Commercial Payments Account transaction occurs when PDS 0002 (GCMS Product Identifier) was MAP (Mastercard Commercial Payments Account) in the First Presentment/1240 message.False

gcmsProductIndentifier = "MAP"

IsMCCommercialPayment_MC
120 days from the Network Processing Date of the PresentmentHasChargebackWindowExpired

Is Eligible for 4799 Fraud Liability Shift - Lost/Stolen/Non-Received

  • Is a POS transaction
  • The Issuer/Merchant for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS
  • The Transaction was processed on a Card Account that was issued with an AEIPS chip or AEIPS chip/PIN Card
  • The Transaction was performed using a lower level technology than the Card (i.e., Magnetic Stripe or key-entered).
  • The Card is identified as chip and PIN and one (1) of the following conditions are met:
    • The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was not performed, or
    • The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was performed but the PIN was not used due to the Terminal not being capable or the PIN pad was not working.
True
  • IsPOSTransaction_A = true AND
  • Is4799FLSParticipating_A = true AND
  • Is4799ClaimReason_A AND
  • IsChipCard_A =true AND
    • (IsChipReadTransaction_A = false) OR
    • (IsChipReadTransaction_A = true AND ICC Chip/PIN Indicator Code = YN AND PIN Capture Capability =0,1) OR
    • ICC Chip/PIN Indicator Code = NN

Is4799EligibleCheck_A

A Mail/Telephone/Internet Transaction.False

Cardmember Present = 2, 3 or S

IsMOTO_A
A Fallback TransactionFalse

Card Data Input Mode = 9

IsFallbackTransaction_A

Transaction that occurred in which either the Issuer or Acquirer is not located in a designated AEIPS Lost/Stolen/Non-received FLS.FalseIs4799FLSParticipating_A  = falseIs4799FLSParticipating_A
Automated Fuel Dispenser Transaction where the MCC is 5542 that originated from an merchant in Caribbean Countries, United States, or United States Territories.FalseCountry of origination = Caribbean Countries, United States, or United States Territories AND 
MCC= 5542

IsAFDExcluded_A

Transactions that occurred at a PIN capable and enabled POS device located in Caribbean Countries, United States, or United States TerritoriesTruePIN Capture Capability Code != 0 AND
Country of origination = Caribbean Countries, United States, or United States Territories

IsPinCapTermExcluded_A

A Digital Wallet Program Transaction.FalseCard present = Y or Z

IsDigitalWalletTransaction_A

A Expresspay TransactionFalseCard present = X

IsExpressPayTransaction_A

A Transactions qualifies under the No Signature/No PIN Program but the POS device is PIN capable and enabled.FalseProgram Indicator Code = NS or 11 AND
Cardmember Authentication Capability Code =1		IsNoSigPinAtPinTerm_A
A Merchant-Presented Quick Response (MPQR) Transactions.False

Card present = 8 AND

Card Capture Capability Code = 7

IsMPQRTransaction_A

A transactions to fund a Stored Value Digital Facility (SVDF).FalseMCC = 6540

IsSDVFTransaction_A

Related Questionnaires

Fraud Questionnaire

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