Conditions

An Issuer may initiate a dispute under dispute condition 10.1: EMV Liability Shift Counterfeit Fraud for the following reason:

• The transaction qualifies for the EMV liability shift and all of the following:
  • Transaction was completed with a Counterfeit Card in a Card-Present
    Environment.
  • Cardholder denies authorization of or participation in the Transaction.
  • Card is a Chip Card.
  • Either:
    • Transaction did not take place at a Chip-Reading Device (terminal entry
      capability code was not 5).
    • Transaction was Chip-initiated and, if the Transaction was authorized
      Online, the 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 4 (issuer-reported counterfeit).
• Certification that the Cardholder denies authorization of or participation in the Transaction.
• For key-entered Transactions ((<EntryMode>='00' or <EntryMode>='01' or <EntryMode>=Null) or <AuthNotAvailableInATRInd>=true), certification that the Card is a Chip Card.

Related Questionnaires

Fraud Questionnaire