10.4 Other Fraud – Card Absent Environment

Alex Forbess7 Comments

10.4 Other Fraud – Card Absent Environment

Description of Reason Code

Fraud - Card-Absent Environment

Insights from Rules and Regulations

The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment. OR A fraudulent transaction was completed in a Card Not Present environment using an account number for which no valid card was issued or is outstanding, and no authorization was obtained.

How to Win Reason Code

Respond to this dispute with evidence of an imprint and a signature or PIN. If a non-authenticated security transaction was processed with an Electronic Commerce Indicator value 6 in the Authorization Request, provide proof that the issuer responded to the Authentication Request with a Cardholder Authentication Verification Value. Or, supply proof that the transaction was properly authorized.

Transaction Modifiers applicable to Reason Code


Additional Information About Reason Code

Reason code is categorized:

Use the Chargeback App to respond to 10.4 Other Fraud – Card Absent Environment.

The Chargeback App determines acceptable evidence based on network rules and can automatically gather the evidence needed to win by integrating to your payment services and sales platform.