Conditions

All of the following:

The cardholder states that:
- The cardholder did not authorize the transaction.
- The card is no longer, or has never been, in the possession of the cardholder.
Both the issuer and the acquirer are located in a country or region participating in a domestic, intraregional, or interregional chip/PIN liability shift as shown in the below table.
A fraudulent transaction resulted from the use of a hybrid PIN-preferring card at one of the
following:
- A magnetic stripe-reading-only terminal (whether PIN-capable or not)
- A hybrid terminal not equipped with a PIN pad capable (at a minimum) of checking the PIN
  offline
- A hybrid terminal equipped with a PIN pad capable (at a minimum) of checking the PIN offline, but DE 55 was not present in the Authorization Request/0100 message or Financial Transaction Request/0200 message
- A hybrid terminal where the PIN pad is not present or not working
The validly issued card was a hybrid PIN-preferring card.
The transaction was reported to SAFE as lost/stolen/NRI 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