Timeframes
Conditions
All of the following:
- The cardholder contacted the issuer claiming that the cardholder did not authorize the transaction.
- Both the issuer and the acquirer are located in a country or region participating in a domestic, intraregional, or interregional chip liability shift as shown in the Chip Liability Shift Participation table (earlier in this section).
- One of the following:
- A fraudulent transaction resulted from the use of a counterfeit card at a non-hybrid terminal
- A fraudulent transaction occurred at a hybrid terminal but DE 55 was not present in the Authorization Request/0100 or Financial Transaction Request/0200 message
- The validly-issued card was an EMV chip card.
- The transaction was reported to SAFE as counterfeit in accordance with the SAFE Products User Guide prior to processing the chargeback.
Dependencies
- A cardholder letter, email, message, or completed Dispute Resolution Form describing the cardholder’s complaint in sufficient detail to enable all parties to understand the dispute.
- Account Block and Reissue MUST be completed
- Fraud Reporting MUST be completed
- Exception File Listing MUST be completed
Validations
| Validation | Value | Logic | Associated Rule(s) |
|---|---|---|---|
| Not Chip Liability Shift Eligible | True |
| IsChipLiabilityShiftEligible |
| Consumer-Presented QR transaction that was properly identified in the Authorization Request/0100 message or Financial Transaction Request/0200 message. | False |
| IsMCQRTransaction_MC |
| Authorization 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_MC |
| FNS 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. | False | 15 or more previous disputes with reason code 4837, 4840, 4870, or 4871 on the same card number | IsFNSCountReached_MC |
| A Digital Secure Remote Payment (DSRP) transaction or any subsequent transaction for a related partial shipment or recurring payment. | False |
| IsDSRPTransaction_MC |
| A 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_MC |
| A 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 |
| IsFallBackTransaction_MC |
| The 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_MC |
| The transaction was a mail order, phone order, e-commerce, or recurring payment transaction. | False |
| IsMOTOTransaction_MC |
| Mastercard 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 |