Conditions

An Issuer may initiate a dispute under dispute Condition 10.2: EMV Liability Shift Non-Counterfeit fraud for the following reason.

• The Transaction qualifies for the EMV liability shift and all of the following:
  • Transaction was completed in a Card-Present Environment.
  • Cardholder denies authorization of or participation in the Transaction.
  • Card is a PIN-Preferring Chip Card.
  • One of the following:
    • Transaction did not take place at a Chip-Reading Device.
    • A Chip-initiated Transaction took place at a Chip-Reading Device that was not EMV PIN-compliant.
    • Transaction was Chip-initiated without online PIN and both:
      • Transaction was authorized Online.
      • Acquirer did not transmit the full-chip data to Visa in the authorization request.

Time Limit

120 calendar days from the Transaction Processing Date

Dependencies

• Fraud Report using fraud type code 0 (Lost), 1 (Stolen), or 2 (Card not received as issued [NRI]).
• Certification that the Card was a PIN-Preferring Chip Card  (NOTE:  This can be set automatically when provided in Client Settings.)
• Certification that the Cardholder denies authorization of or participation in the Transaction

Related Questionnaires

Fraud Questionnaires