Description of Reason Code UA06
Fraud - Chip and PIN Transaction
Insights from Rules and Regulations
The cardholder alleges fraud relating to a Card Present chip card transaction, including a cash advance, involving a card account on which a PIN-preferring Contact Chip Payment Device was issued, the card was reported as lost or stolen at the time of the card sale or cash advance, and the card transaction was conducted at a POS Device that does not support chip card transactions with PIN-preferring Contact Chip Payment Devices.
How to Win Reason Code UA06
To respond to this chargeback, you need to show that either the chip card transaction was completed with PIN entry on a chip card terminal, a Fallback transaction was properly identified in the Authorization request, the card transaction was not Card Not Present, track data in the Authorization Request indicated that the card sale was not conducted with a Contact Chip Payment Device as required by the Technical Specifications, or that the card transaction was a cash advance at an ATM.
Transaction Modifiers applicable to Reason Code UA06