Timeframes
120 days from the Network Processing Date of the Presentment
Conditions
The Issuer must meet all the following conditions:
- May be used even if the Transaction was Authorized.
- Amount to be charged back is the full Transaction amount.
- Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.
- 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
Validations
| Validation | Value | Logic | Associated Rule(s) |
|---|---|---|---|
| Is a POS transaction | True | ||
| S/E is considered High Risk | True |
| |
| AEIPS-compliant Chip Card Transactions where a Transaction Certificate is provided in the First Presentment, or Transaction is identified as Fallback in the First Presentment | False | Card Data Input Mode, position 7 = 9 | |
| SafeKey Transaction which was either Fully Authenticated or Attempted and the S/E has a risk indicator of either "T" or "F.” | False | Program Indicator in 892-893 of First Pres 1240 msg = 4 and Card Acceptor High Risk Indicator = T or F | |
| Transaction qualifies for the AEGNS Oil Fraud Liability Shift Program | False |
| |
| Expresspay Transactions of less than or equal to the Cumulative Spend Protection Threshold | False | Card present, position 6 = X | |
| Is a Merchant-Presented Quick Response (MPQR) Transactions with high risk indicator of F. | False |
| |
High Risk S/Es listed under the following categories are not eligible for Excluded Transactions under this ISO code: a. Risk indicators of “I”, “S”, “X” b. Gambling MCCs 7801, 7802, 7995 | False |
| |
| First Chargeback was either a fraud type or one of the following: a. 4512 - Multiple Processing b. 4516 - Request for Support Not Fulfilled c. 4517 - Request for Support Illegible/Incomplete d. 4754 - Local Regulations/Legal Dispute | False |