Chargeback Reason

A Cardmember selected the merchant’s option to process Recurring Billing Transactions on the Card and the Cardmember revoked their consent to process Recurring Billing Transactions from the merchant on their Card.

Description

The Issuer may charge back a Transaction using this Chargeback ISO code when a Recurring Billing merchant submits Recurring Billing Transactions subsequent to:

The Cardmember’s revocation of consent to process Recurring Billing Transactions from that S/E on the Card and either:
1. The Cardmember made a reasonable attempt to notify the Recurring Billing merchant that the Cardmember has revoked their consent to process Recurring Billing Transactions from that S/E on their Card, or
2. If local laws or regulations prohibit requiring the Cardmember to contact the Recurring Billing S/E, then the Cardmember’s Issuer should make a reasonable attempt to notify the Recurring Billing S/E on behalf of the Cardmember.

Conditions

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

Either of the following may apply:
1. The Chargeback is limited to Transaction(s) submitted by the Recurring Billing merchant after the notification of the revocation of the Cardmember’s consent to process Recurring Billing Transactions on the Card, or
2. The Chargeback is limited to the amount of Goods not received or Services unused after the Cardmember revoked their consent, and
  1. The Cardmember made a reasonable attempt to notify the Recurring Billing merchant that the Cardmember has revoked their consent to process Recurring Billing Transactions from that merchant on their Card, or
  2. If local laws or regulations prohibit requiring the Cardmember to contact the Recurring Billing merchant, then the Cardmember’s Issuer should make a reasonable attempt to notify the Recurring Billing merchant on behalf of the Cardmember.

Timeframes

120 days from the Network Processing Date of the Presentment of the recurring Transaction under dispute.

Dependencies

As applicable, the Issuer must provide the following for Chargebacks processed under this ISO code:

Issuer Declaration that indicates the Chargeback description.
The Cardmember made a reasonable attempt to notify the Recurring Billing S/E that the Cardmember has revoked their consent.

Validations

Validation	Value	Logic	Associated Rule(s)
Within association window for submitting the chargeback	True	120 days from the Network Processing Date of the Presentment of the recurring Transaction under dispute.	HasChargebackWindowExpired
Is Eligible for 4544 Cancellation of Recurring Goods/Services Is Credit Not Processed Claim Reason Is a POS transaction Transaction Amount > $25 Is a recurring billing transaction	True	Claim Reason = MerchantRecurring AND IsPOSTransaction_A = true AND Transaction Amount > $25 AND Cardmember present = 9	Is4544EligibleCheck_A
A Card Present Transaction	False	Card present = 1	IsCardPresent_A
A Merchant-Presented Quick Response (MPQR) Transactions.	False	Card present = 8 AND Card Capture Capability Code = 7	IsMPQRTransaction_A

Cancellation of Recurring Goods/Services (4544)