The cardholder denies participation in the charge and chip card with PIN capabilities was lost/stolen/non-received and was used at a POS system where the transaction was not processed as a chip card transaction with PIN validation because either: the POS system is not an enabled chip-and-PIN POS system, or the transaction was manually keyed. Note: Not applicable to contactless transactions and Digital Wallet payments, and charges that qualify under the No Signature/No PIN Program.

Either provide proof that this was a Card Not Present charge, proof that the POS system processed a chip card rransaction with PIN validated, or proof that a credit which directly offsets the disputed charge has already been processed.

• None

Reason code is categorized: American Express, Fraud