Description of Reason Code 04
Transaction Documentation Request for Fraud Analysis
Insights from Rules and Regulations
The issuer’s security personnel requests transaction documentation in connection with a fraud investigation of a card transaction (other than ATM Transactions) where neither the cardholder nor any authorized user participated in or benefited from the transaction, and the cardholder disputes the transaction as fraud.
How to Win Reason Code 04
Provide documentation signed by the cardholder indicating that they agreed to the transaction or evidence that the goods or services purchased were received.
Transaction Modifiers applicable to Reason Code 04