Timeframes
120 days from the Network Processing Date of the Presentment or
- 120 days from the date of the S/E's written acknowledgment of credit due, or
- 120 days from the Network Processing Date of the Presentment.
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 in the United States or Canada solely for the S/E’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
Dependencies
- Cardmember Documentation or Issuer Declaration that supports the Chargeback and demonstrates that both the Card and Cardmember were not present for the Transaction.
Validations
| Validation | Value | Logic | Associated Rule(s) |
|---|---|---|---|
| Is a POS transaction | True | ||
| Is a Card Present Transaction | False | Card present, position 6 = 1 | |
| 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 | AAV response code is not = Y or N | |
| Cardmember address information was provided to the Issuer in the POS Auth Request (1100) message and either: a. The Issuer is located in the United States or Canada and does not participate in the AAV program, or b. The S/E shipped physical Goods to a address verified through the AAV program, where the Issuer response: i. A street address match, or ii. A street address and postal code match | False | a. AAV response code= U b. PCSC Validation Code = A or Y | |
| Transaction qualifies for the American Express SafeKey Fraud Liability Shift | False | Program Indicator in 892-893 of First Pres 1240 msg = 4 | |
| Is a Digital Wallet Contactless-initiated Transactions, Digital Wallet MST Transactions, or Expresspay Mobile. | False | Card present, position 6 = Y or Card present, position 6 is Y or Z and Auth Request Service Code = 141 or Card present, position 6 = X | |
| Is a Digital Wallet Application-initiated Transactions that has been granted an exception as part of the AEGNS Risk Assessment | False | Card present, position 6 = Z and "granted an exception?" | |
| Is a Consumer-Presented Quick Response (CPQR) Transactions. | False | Card present, position 6 = X | |
| Is a Merchant-Presented Quick Response (MPQR) Transactions. | False | Card present, position 6 = X |