Chargeback Reason

To transfer counterfeit fraud liability from the Issuer to the Acquirer for Transactions conducted with an AEIPS Chip Card at a POS device that is unable to process an AEIPS Chip Card Transaction.

Description

A Transaction has occurred for which:

• The Cardmember denies participation, and
• The Transaction is classified by the Issuer as lost, stolen or non-received fraud, and
• The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS, and
• The Transaction occurred at a merchant located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS, and
• The Transaction was processed on a Card Account that was issued with an AEIPS chip/PIN Card, and
• The Transaction was performed using a lower level technology than the Card, (Magnetic Stripe or key-entered), or the POS device was not able to accept PIN entry.

Conditions

The Issuer must meet all the following conditions:

1. The Transaction information must be submitted to the GNS Fraud Repository as skimmed or counterfeit fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
2. The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.
3. The Issuer was certified by AEGNS to process Chip Card Transactions on or before the Transaction date.
4. The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Counterfeit FLS.
5. The Transaction occurred at an merchant located in an AEGNS-designated country for AEIPS Counterfeit FLS.
6. The Transaction occurred on or after the AEGNS-designated AEIPS Counterfeit FLS countries effective date for both the Issuer and Acquirer countries.
7. The Card is identified by AEGNS as chip or chip/PIN capable.
8. The ICC Chip/PIN Indicator in the First Presentment indicates that a chip Transaction was not performed.
9. The Issuer is located in a designated AEIPS FLS country.
10. For Final Chargeback - This Chargeback is only applicable if the First Chargeback was either a fraud type or one of the following:
    1. 4512 - Multiple Processing
    2. 4516 - Request for Support Not Fulfilled
    3. 4517 - Request for Support Illegible/Incomplete
    4. 4754 - Local Regulations/Legal Dispute

Timeframes

120 days from the Network Processing Date of the Presentment

Dependencies

The Issuer must provide all of the following:

1. Date that the Transaction information was submitted, and that confirmation was received from the GNS Fraud Repository with a fraud type code of counterfeit.
2. The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.

Validations

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