Timeframes
120 days from the Network Processing Date of the Presentment
Conditions
The Issuer must meet all the following conditions:
- The Transaction information must be submitted to the GNS Fraud Repository as fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
- The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.
- The Issuer was certified by AEGNS to process AEIPS Chip/PIN Card Transactions on or before the Transaction date.
- The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/ Non-received FLS.
- The Transaction occurred at an S/E located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS.
- The Transaction occurred on or after the AEGNS-designated AEIPS Lost/Stolen/Non-received FLS effective date for both the Issuer and Acquirer countries.
- The Card is identified as chip and PIN and one (1) of the following conditions are met:
- The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was not performed, or
- The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was performed but the PIN was not used
due to the Terminal not being capable or the PIN pad was not working.
- 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
The Issuer must provide all of the following:
- Issuer Declaration indicating the date the Account was listed on the Exception File.
- Date that the Transaction information was submitted, and that confirmation was received from the GNS Fraud Repository with a fraud type code of lost, stolen, or non-received.
Validations
| Validation | Value | Logic | Associated Rule(s) |
|---|---|---|---|
| True |
| IsChipLiabilityShiftEligible | |
| Is a POS transaction | True | ||
| Is a Chip card | True | IsChipCard =TRUE | |
| The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Counterfeit FLS | True | ||
| The Transaction occurred at an S/E located in an AEGNS-designated country for AEIPS Counterfeit FLS | True | ||
| The Transaction was performed using a lower level technology than the Card (i.e., Magnetic Stripe or key-entered). | True | Card Data Input Mode, position 7 != 5 | |
| Is a Mail/Telephone/Internet Transaction. | False | Cardmember present, position 5 = 2, 3 or S | |
| Transaction is identified as Fallback in the First Presentment. | False | Card Data Input Mode, position 7 = 9 | |
| Transaction that occurred in which either the Issuer or Acquirer is not located in a designated AEIPS Counterfeit FLS country. | False | ||
| The transaction was a mail order, phone order, e-commerce, or recurring payment transaction. | False | ||
| Automated Fuel Dispenser Transaction where the MCC is 5542 that originated from an S/E in Caribbean Countries, United States, or United States Territories. | False | Country of origination = | |
| Is a Digital Wallet Program Transaction. | False | Card present, position 6 = Y or Z | |
| Is an Expresspay Transaction | False | Card present, position 6 = X | |
| An active Issuer Override Request Status Code exists in FraudNet | False | ||
| Is a Merchant-Presented Quick Response (MPQR) Transactions. | False | Card present, position 6 = 8 | |
| Is a transactions to fund a Stored Value Digital Facility (SVDF). | False | MCC = 6540 | |
| The Card is identified by AEGNS as chip or chip/PIN capable. | True | IsChipCard =TRUE | |
| The ICC Chip/PIN Indicator indicates that a chip Transaction was not performed. | True | Card data input mode, position 7 != 5 | |
| The Issuer is located in a designated AEIPS FLS country | True |