American Express Chargeback Reason Code F31
Description of Reason Code F31
EMV Lost/Stolen/Non-Received
Insights from Rules and Regulations
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.
How to Win Reason Code F31
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.
Transaction Modifiers applicable to Reason Code F31
- None
Additional Information About Reason Code F31
Reason code is categorized: American Express, Fraud
Use the Chargeback App to respond to American Express Chargeback Reason Code F31.
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.