Timeframes
120 days from the Network Processing Date of the Presentment or
...
Chargeback Reason
The Cardmember denies participation in a Mail/Telephone/Internet Transaction, which may or may not have been Authorized by the Issuer.
Description
A mail order, telephone order, or Internet type Transaction, was processed by an merchant without the permission of the Cardmember whose Account number was used.
Conditions
The following conditions exist for Chargebacks processed under this ISO Code:
- 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 S/Es 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. - 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
Timeframes
- 120 days from the Network Processing Date of the Presentment.
Dependencies
- Cardmember Documentation or Issuer Declaration that supports the Chargeback and demonstrates that both the Card and Cardmember were not present for the Transaction.Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.
| Excerpt |
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| hidden | true |
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| name | Validations |
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| Validation | Value | Logic | Associated Rule(s) |
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| Within association window for submitting the chargeback | True | 120 days from the Network Processing Date of the Presentment | HasChargebackWindowExpired | Is Eligible for 4540 Card Not Present - Is a POS transaction
- Transaction Amount > $25
- A mail order, telephone order, or Internet type Transaction
| True |
|
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| - IsPOSTransaction_A = true AND
- IsMOTO_A = true AND
- Transaction Amount > 25
| Is4540EligibleCheck_A | | A Card Present Transaction | False | Card present |
|
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| = 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. | False |
|
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| PCSC Validation Code = U | IsCSCVerified_A | Cardmember address information was provided to the Issuer in the POS Auth Request (1100) message and either: |
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- The Issuer is located in the United States or Canada and does not participate in the AAV program
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- merchant shipped physical Goods to a address verified through the AAV program, where the Issuer response:
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- A street address and postal code match
| False |
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OR
AVV Response code = Y or A | IsAddressVerified_A | | A SafeKey Transaction | False | Program Indicator |
|
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Code = 04 | IsSafeKeyTransaction_A | | Is a Digital Wallet Contactless-initiated Transactions, Digital Wallet MST Transactions, or Expresspay Mobile. | False |
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| IsDigitalWalletTransaction_A = true OR IsExpressPayTransaction_A = true OR Service Code = 141 |
|
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| IsDigitalWalletOrExpressPay_A | | Is a Consumer-Presented Quick Response (CPQR) Transactions. | False |
|
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- CardPresent = 1 AND
- Card Data Input Mode = 3
| IsCPQRTransaction_A | | A Merchant-Presented Quick Response (MPQR) Transactions. | False | Card present |
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= 8 AND Card Capture Capability Code = 7 | IsMPQRTransaction_A |
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