Description of Reason Code 81
Fraud - Card-Present Environment
Insights from Rules and Regulations
The cardholder did not authorize or participate in a Card Present environment transaction. OR A fraudulent transaction was completed in a Card Present environment using an account number for which no valid card was issued or is outstanding, and no authorization was obtained.
How to Win Reason Code 81
Provide evidence of both an imprint or a PIN or Consumer Device Cardholder Verification Method (CDCVM).