Timeframes
POS: Either of the following:
- 120 days from the Network Processing Date of the Presentment, or
- 120 days from one (1) of the below (whichever occurred first):
- From the expected date of receipt of the Goods and Services (for example, airline flight date or entertainment performance date), or
- From the date the Cardmember becomes aware that the expected Goods and Services would not be provided, not to exceed 540 days from the Network Processing Date of the First Presentment (for example, airline bankruptcy or entertainment performance cancellation)
SVDF: 120 days from the Network Processing Date of the Presentment for Transactions used to fund an SVDF where the funds were not loaded to the SVDF or only partially loaded.
ATM: Forty-five (45) days from the Network Processing Date of the Fulfillment Notification
Prior to sending the Chargeback, the Issuer must wait until:
- The expected date of delivery, or
- Fifteen (15) days from the Transaction Date if delivery is unscheduled, and within 120 days from the Network Processing Date of the Presentment, or
- Fifteen (15) days from the date of the attempted return, unless the 120-day filing limit would be exceeded, or
- If the S/E is no longer in business or if the Cardmember becomes aware that the expected Goods and Services would not be provided, the Issuer may file a Chargeback immediately.
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
Dependencies
- Cardmember Documentation or Issuer Declaration that supports the Chargeback
Validations
| Validation | Value | Logic | Associated Rule(s) |
|---|---|---|---|
| Is a POS transaction | True | ||
| S/E is considered High Risk | True |
| |
| AEIPS-compliant Chip Card Transactions where a Transaction Certificate is provided in the First Presentment, or Transaction is identified as Fallback in the First Presentment | False | Card Data Input Mode, position 7 = 9 | |
| SafeKey Transaction which was either Fully Authenticated or Attempted and the S/E has a risk indicator of either "T" or "F.” | False | Program Indicator in 892-893 of First Pres 1240 msg = 4 and Card Acceptor High Risk Indicator = T or F | |
| Transaction qualifies for the AEGNS Oil Fraud Liability Shift Program | False |
| |
| Expresspay Transactions of less than or equal to the Cumulative Spend Protection Threshold | False | Card present, position 6 = X | |
| Is a Merchant-Presented Quick Response (MPQR) Transactions with high risk indicator of F. | False |
| |
High Risk S/Es listed under the following categories are not eligible for Excluded Transactions under this ISO code: a. Risk indicators of “I”, “S”, “X” b. Gambling MCCs 7801, 7802, 7995 | False |
| |
| First Chargeback was either a fraud type or one of the following: a. 4512 - Multiple Processing b. 4516 - Request for Support Not Fulfilled c. 4517 - Request for Support Illegible/Incomplete d. 4754 - Local Regulations/Legal Dispute | False |