Description of Reason Code 4871
Chip/PIN Liability Shift
Insights from Rules and Regulations
The cardholder claims they were in possession of a valid card on the date of transaction or they did not authorize or participate in the transaction. For counterfeit transactions only, the liability will remain with the party that does not invest in chip technology, regardless of transaction amount.
How to Win Reason Code 4871
Respond by providing documentation showing the country or region in which either the acquirer or issuer is located does not have an applicable intraregional chip/PIN liability shift or does not participate in the intraregional Chip Liability Shift Program, the transaction was a valid chip/PIN-capable terminal, the transaction occurred at a hybrid PIN-capable terminal and did not involve a hybrid PIN-preferring card, the transaction involved CVM fallback from PIN to signature or no CVM, unless transaction data in DE 55 indicated "PIN Entry Required and PIN Pad Not Present or Not Working", or the transaction occurred at a hybrid PIN-capable terminal and was magnetic stripe-read or key-entered as the result of a technical fallback and was properly identified as such in the authorization request/0100 message and in the first presentment/1240 message.
Transaction Modifiers applicable to Reason Code 4871