Chargeback Reason

The Cardmember denies participation in one (1) of the following:

• A Transaction where Authorization was required but not obtained or an Authorization was declined or,
• The S/E merchant failed to obtain a single Authorization for the full amount of the Transaction, or
• A Transaction which took place on a date falling outside the Valid Date Range of the Card.

Description

The Issuer may charge back a Transaction using this Chargeback ISO code under one (1) of the following circumstances:

• The merchant submitted a Transaction for payment, which should have been, but was not Authorized, was declined or was not re-Authorized following an expired Authorization, or
• The Transaction takes place on a date which falls outside the Valid Date Range of the Card, and the S/E merchant failed to obtain an Authorization from the Issuer (regardless of any Network Floor Limit which may be in effect).
• Conditions

The following Conditions exist for Chargebacks processed under this ISO Code:

1. For Chargebacks processed under Chargeback description one (1) or two (2) of this ISO Code:
   1. The Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the AEGN Fraud Repository before filing this Chargeback.
   2. The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.
2. As applicable, the following conditions also exist for Chargebacks processed under:
   1. Chargeback description one (1) of this ISO Code:
      1. If prior Authorization was provided for a lesser amount, the Chargeback amount is restricted to the difference of the Authorized amount and the Presentment Transaction amount.
      2. For estimated Charge amounts, the Chargeback amount is restricted to the difference of the Authorized amount plus the allowable percentage and the Presentment Transaction amount. 
3. 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

Timeframes

120 days from the Network Processing Date of the Presentment

Dependencies

• Cardmember documentation or declaration that supports the chargeback
• For Airline transactions, include in the documentation or declaration Cardmember name and card account number, and applicable reference numbers, such as ticket number, passenger name(s), merchant number
• The Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the AEGN Fraud Repository before filing this Chargeback.
• The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.

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