Chargeback Reason

The Cardmember denies participation in a Mail/Telephone/Internet Transaction, which may or may not have been Authorized by the Issuer.

Description

A mail order, telephone order, or Internet type Transaction, was processed by an merchant without the permission of the Cardmember whose Account number was used.

Conditions

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

1. 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 merchants in the United States or Canada solely for the merchant’s failure to obtain a signature from the Cardmember as Proof of Delivery.
2. 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

• Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.

Related Questionnaires

Fraud Questionnaires