Chargeback Reason

The Card Account is closed or the Card is cancelled at the time of the Transaction or, the Cardmember denies participation in the Transaction and the merchant is listed on the High Risk merchant list.
The Fraud Full Recourse Chargeback allows Issuers the right to transfer liability of all fraud types, including counterfeit Cards, to the Acquirer for any merchant subject to this Chargeback.

Description

Processing under this reason code requires that the merchant was listed on the High Risk merchant list at the time of the Chargeback under one (1) of the following categories:

A Fictitious and/or Collusive merchant who is listed on the High Risk merchant list with a risk indicator of “S”, or
A prohibited or illegal industry merchant who is listed on the High Risk merchant list with a risk indicator of “I”, or
A high Fraud to Gross (FTG) sale volume ratio merchant who is listed on the High Risk merchant list with a risk indicator of “F”, or
An Internet Electronic Delivery merchant who is listed on the High Risk merchant list with a risk indicator of “T”, or
S/E was cancelled for derogatory reasons and was listed on the High Risk merchant list with a risk indicator of “X”

Conditions

The Issuer must meet all the following conditions:

May be used even if the Transaction was Authorized.
Amount to be charged back is the full Transaction amount.
Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository.
For Final Chargeback - This Chargeback is only applicable if the First Chargeback was either a fraud type or one of the following:
- 4512 - Multiple Processing
- 4516 - Request for Support Not Fulfilled
- 4517 - Request for Support Illegible/Incomplete
- 4754 - Local Regulations/Legal Dispute

Timeframes

120 days from the Network Processing Date of the Presentment

Dependencies

Before filing this Chargeback, the Issuer must manually enter the fraud Transaction into the WFIS or electronically transmit it into the GNS Fraud Repository

Validations

Validation	Value	Logic	Associated Rule(s)
Within association window for submitting the chargeback	True	120 days from the Network Processing Date of the Presentment	HasChargebackWindowExpired
Is Eligible for 4763 Fraud Full Recourse Is a POS transaction Is a high risk merchant	True	IsPOSTransaction_A = true AND IsHighRiskMerchant_A = true	Is4763EligibleCheck_A
A Fallback Transaction	False	Card Data Input Mode = 9	IsFallbackTransaction_A
A transaction where a Transaction Certificate is provided in the First Presentment	False	Cardmember Authentication Entity Code = 1 And Bit 55 =1 ""	IsChipTransactionCertified_A
A SafeKey Transaction	False	Program Indicator Code = 04	IsSafeKeyTransaction_A
A Expresspay Transaction of less than or equal to the Cumulative Spend Protection defined.	False	Card present = X AND Transaction Amount <= Cumulative Spend Protection	IsLowDollarExpressPay_A
A Merchant-Presented Quick Response (MPQR) Transactions.	False	Card present = 8 AND Card Capture Capability Code = 7	IsMPQRTransaction_A
A gambling transaction.	False	MCC = 7801, 7802, 7995	IsGamblingMCC_A

Fraud Full Recourse (4763)