Conditions

The Cardholder claims fraud in connection with a Card Present Transaction. Following are examples of applicable scenarios:

Cardholder did not approve or participate in a Card Present Transaction
Cardholder did not approve or participate in a Card Present Chip Card Transaction; the Transaction did not take place at a Chip Card Terminal; and/or Chip fallback procedures were not used to complete the Transaction
Cardholder disputes a Transaction as fraud and Transaction documentation that is provided by the Acquirer or Acquirer Processor in response to a TRR does not validate Cardholder’s consent to the Transaction
Cardholder disputes a Transaction as fraud and the Transaction documentation provided by the Acquirer or Acquirer Processor in response to a TRR is illegible
Cardholder disputes a keyed Card Transaction as fraud; Card security code was not present in the Authorization Request; and, after obtaining the Acquirer's or Acquirer Processor's response to the TRR, the Issuer or Issuer Processor determined that the Card imprint does not display all of the security features required on embossed Cards or the Card imprint is missing
Cardholder disputes the Card Transaction conducted at a CAT as fraud.

This is NOT a valid recovery option for:

Card Not Present Transactions
ATM Transactions
Keyed Card Transactions for the Merchant’s failure to include the Cardholder’s signature on the Transaction documentation or the Merchant’s failure to obtain a legible Card imprint
For Chip Card Transactions processed in accordance with the PULSE Operating Rules and Procedures and the PULSE ISO 8583 (1987) Specifications Manual

Timing

An Issuer or Issuer Processor may initiate a Chargeback within the following timelines as applicable:

If a Transaction Retrieval Request (TRR) is submitted, a Chargeback must be initiated between 60 calendar days of the TRR initiation date and 30 calendar days of the close date of such TRR.
If there is no TRR, the Chargeback must be initiated within 120 calendar days of the Processing date of the Card Transaction.

None.