Conditions

Valid for a Chargeback on a Card sale involving a Card Account on which a Contact Chip Payment Device was issued and the Cardholder alleges that a Counterfeit Card was used to conduct a Card sale or Cash Advance.  This is an immediate Chargeback: support documentation is not required. A TRR is not required, but the Issuer may initiate a TRR first, then convert it to a Chargeback.

Following are examples of applicable scenarios:

• The Card Transaction in the U.S., Canada or Mexico was completed with a Counterfeit Card
• The Card Transaction was a Card Present Transaction
• The Cardholder did not approve or participate in the Card Transaction
• A Contact Chip Payment Device was issued on the Card Account but not used to conduct the Card Transaction

This recovery option is NOT valid if any of the following conditions are present:

• The POS Device was enabled to support Chip Card Transactions with Europay, MasterCard and Visa (EMV) technology in accordance with the Program Documents
• Magnetic stripe data was transmitted for the Card Transaction in accordance with the Program
• Documents and the Card Transaction was identified as fallback in the Authorization Request
• The Card Transaction was key entered
• The Card Transaction was a Card Not Present sale
• Track Data in the Authorization Request indicated that the Card sale was not conducted with Contact Chip Payment Device as required by 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.

Dependencies

None.

Validations

None.