Chip Liability Shift Lost Stolen NRI
Conditions
All of the following:
- The cardholder states that:
- The cardholder did not authorize the transaction.
- The card is no longer, or has never been, in the possession of the cardholder.
- Both the issuer and the acquirer are located in a country or region participating in a domestic, intraregional, or interregional chip/PIN liability shift as shown in the below table.
- A fraudulent transaction resulted from the use of a hybrid PIN-preferring card at one of the
following:- A magnetic stripe-reading-only terminal (whether PIN-capable or not)
- A hybrid terminal not equipped with a PIN pad capable (at a minimum) of checking the PIN
offline - A hybrid terminal equipped with a PIN pad capable (at a minimum) of checking the PIN offline, but DE 55 was not present in the Authorization Request/0100 message or Financial Transaction Request/0200 message
- A hybrid terminal where the PIN pad is not present or not working
- The validly issued card was a hybrid PIN-preferring card.
- The transaction was reported to SAFE as lost/stolen/NRI in accordance with the SAFE Products User Guide prior to processing the chargeback.
Dependencies
- A cardholder letter, email, message, or completed Dispute Resolution Form describing the cardholder’s complaint in sufficient detail to enable all parties to understand the dispute.
- Account Block and Reissue MUST be completed
- Fraud Reporting MUST be completed
- Exception File Listing MUST be completed