A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. #9. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. This extra step can be frustrating for Card Members and lead to lost sales. 13%: 0. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. Invalid Reasons for a Dispute ACH return codes identify the reason an ACH payment was returned by the recipient's bank. Protect cardholder data. Cardholder Disputes. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. 4: Other Fraud – Card-Absent Environment. Studying and fighting disputes will help you learn why they’re happening to you, and. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Europe Region Operations Bulletin No. Mastercard Chargeback Reason Code 73: Duplicate Transaction. A “No Authorization” code chargeback can also be the. Check the chargeback reason code. Chargeback reason code 10. Process a canceled guaranteed reservation properly. Ensure that the digits of the. There are multiple situations in which this can occur. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. VCR Dispute Reason Code 10. 3. 0. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Reason Code. There are two parts to this. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. 6 Processing Transactions 7 Processing Transactions Swiping a Card Before swiping, make sure the stripe is facing the reader. Chargeback reason code 12. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Which is meant to know the reason for the dispute. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 00, an authorization should be requested for $70. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Code 13. 65% with at least 75 total disputes. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. There are some exceptions on the cardholder’s side, though. Recurring billing transactions are a frequent source of conflict, disputes, and. You can learn more about each one by visiting the Mastercard Chargeback Guide. Code. Reason Codes: 08 / 20 / 71 / 72 A card was used either before or after its valid date Never process a transaction on a card prior to, or after, the valid date. non_receipt: The buyer claims they didn't get the goods or services. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. Each chargeback is assigned a reason code that explains the justification for the chargeback. Reason codes vary by card brand. 4853 – Cardholder Dispute – Goods or. All received credit card disputes include a reason code. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. This reason code indicates that the merchant processed a transaction using the wrong transaction code. Merchant must provide proof of authorization. Each card issuer follows their own standards for defining reason type, code and its format. Floor limits are typically specified in merchant processing agreements, and the exception file is part of the merchant banks or the merchant account providers transaction. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. . This may be done by either the merchant or the issuing bank. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. When one cardholder initiates a dispute with their issuing. If the customer’s story matches. PCI DSS v3. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. The shorthand description is “Goods/Services Not as Described. This list was generated 5/4/2022. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. The main chargeback reasons look like this: Malicious fraud. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. chargeback: The buyer filed a chargeback with the credit card issuer. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. The shorthand description is “Incorrect Transaction Code. The reason code. The transaction amount and authorization number (ARN. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. 634. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 70 likes | 107 Views . When you receive notification of a payment dispute or chargeback you may see a code listed with it. Founded in February 2020 by Roenen Ben-Ami and Ofir Tahor, Justt says it. [noun]/* rēzən kōd / A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. . The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. For each reason code, a definition isReason codes. Always swipe the card once in the direction of the arrow shown on the reader. Specify the default reason code to. Reason Code 04. MASTERCARD Reason Code Description. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. If the bill before tip is for $70. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. 1st Chargeback. As we touched on earlier, chargebacks can happen due to technical errors. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Chargebacks with the following reason codes are requested due to fraudulent activity. , the MCOM Collaboration Layer. Customer Dispute. 4. the chargeback reason code, the issuer/acquirer, and the end customer’s buying patterns, yielding a recovery rate that is three times the industry average. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Updated the following columns - card type, response due date. Here's a list of all the current Visa reason codes: Chargeback Code. Proof you have already refunded the transaction and credited the cardholder’s account. S. The reason code. Documentation must be a direct result of cardholder communication. Issuer ACS unavailable - Visa generated CAVV. 24%: 60. Chargeback reason code 11. Tim Tynan. 12. Updated these Discover Chargeback Codes: U05, U06. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. If the merchant has a signature showing that the order was delivered, or evidence that the. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. So if the bill before tip is for $70. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. FR6 Partial Immediate Chargeback Program. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. Updated Visa Reason Codes. 1. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Step #2 | Report the Scam to PayPal. If more information is needed, you’ll either receive an Inquiry or a Chargeback. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Clerical Acquirer Use of Message Reason Code 7623. All other reason codes are up to 120 days from the transaction date. non_receipt: The buyer claims they didn't get the goods or services. Chargeback reason codes identify the general reason behind a chargeback. Mastercard Chargeback Reason Code 71: Disputed Amount. 2 Compliance CasesThe good news is, the chargeback reason code should give you a great indication of where to start. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. Check the chargeback reason code. 0 is to make the chargeback process more efficient, transparent, and fair. 2. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. However, they don’t address the reason why that chargeback was issued in the first place. For example, 'R04' indicates that an invalid account number was. Additionally, 29 percent of respondents blamed interrupted supply chains as. Visa chargeback reason code 70 falls under the “Authorization” category. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 4853 Cardholder Dispute. Visa ® has launched the CE 3. The chargeback reason code. Another downside is that chargebacks on annual subscriptions. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. 1: goods not received. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. ”. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. This chargeback may be inverted, if the merchant provides sufficient information such as the transaction date, a valid authorization code or a proof that a credit was issued. Complete Guide to Visa Compelling Evidence Update CE 3. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. 65 - Exceeds Withdrawal Frequency Limit. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Mastercard: n/a This chargeback is caused by Authorization. From there, a merchant can accept the chargeback or take action through the representment process to attempt to have the chargeback reversed. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. . Reason Code 03. 7? Visa chargeback reason code 13. The first thing to understand is that not all chargebacks are the same. There are several reasons why many merchants turn a blind eye to suspected return fraud. 74. ”. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. In the case of an arbitration chargeback, though, the issuer must file within 45 calendar days of the second presentment settlement date. Eligible Chargeback Reason Codes . There are many chargeback codes that MasterCard uses in order to organize and streamline its chargeback process. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. 0 is to make the chargeback process more efficient, transparent, and fair. The financial impact of fraud and chargebacks becomes greater during a recession. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. This can provide important information to fight the dispute. 5: Visa Fraud Monitoring Program. 2 Merchants who believe they have received an invalid chargeback under reason code 13. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. . This chargeback occurs when merchants do not adequately provide currency information. Values are: Blank: Use the draft G/L date. 99. 3: Goods or services were not received: C08: RG: 4855: 13. ©Updated August 23, 2023. 4854 Cardholder Dispute—Not Elsewhere Classified (U. 00 EUR as a Withdrawal fee. In the case of friendly fraud, that reason could be completely invalid and. Examples are: DA: Disputed amounts DD: Disallowed discount amount. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. 9808When you get one of these response codes, you’re going to have to ask the customer to provide a different payment method: 5 - Do Not Honor. Each bank card network has its owner list of reason codes banks must prefer from. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 70 (1) Card Recovery Bulletin. 4 Other Fraud Card Absent. The shorthand description is “Transaction Not Recognized. /HealthCare IIAS Auto-sub Data Retrieval Request 70 Int'l only Effective Change Date AMEX F24 FR4 FR5 M01 M04 M10 P01 P04 P05 R03 R13 Duplicate Billing Captial damages M19 Offset adjustment Non. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Here’s how your store can prevent and deal with chargebacks. e. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. Compare account numbers. The purpose of reason codes is to help merchants realize the intent of a consumer’s dispute; however, if they are attempting to obtain goods/services for free, they do not provide any meaning. Proof you have already refunded the transaction and credited the cardholder’s account. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. American Express . During this process, the representative of the institution examines the reasons’ list. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Stage 1: First Chargeback. chargeback: The buyer filed a chargeback with the credit card issuer. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. 3: Goods or services were not as described: C31: RM: 13. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Merchant processed transaction below floor limit without authorization. The tickets were held at the box office, and no signature, swipe or imprint. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. A chargeback (otherwise known as a dispute) is a way for your bank that issued your card to reclaim money from the retailer’s bank when you do not get the goods or services you paid for, including if the retailer or supplier has gone out of business. For chargeback reason code 4837 (No Cardholder Authorizations) second presentments, new information such as a merchant name, location, or dates will no longer be allowed as a potential remedy to this chargeback when a merchant’s information is a complete mismatch between the authorization and clearing. 16, 2021. ”. The most comprehensive guide to chargeback reason codes. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. While there are many chargeback reason codes, all chargebacks fall into one of three categories: Step 4: Card Network Collects Dispute Information. The first liability shift went into effect in October 2015 and covered almost all card-present transactions except for those that take place at ATMs and gas pumps. Chargeback Gurus takes the pain out of chargeback management, helping businesses recover their lost revenue. Whenever an incorrect account number is processed, or the. 14 - Invalid Card Number. For each reason code, a definition isThe Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 2%. Chargeback reason code 10. . Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . Some credit card companies also include a short phrase describing the code and chargeback. The way to defend chargebacks varies depending on reason code found in your chargeback letter. Often, consumers misuse or intentionally abuse the chargeback process to receive free products, which is commonly referred to as “friendly. Every chargeback should be analyzed when you receive it, and chargebacks with a valid basis should just be accepted. Once you hear from. Track ROI with savings and win ratios at your fingertips. They can also be caused by a merchant failing to process a cancellation promptly. ” This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. ”. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). ”. It was originally just one facet of legacy reason code 81. For example, most cardholders can only file a chargeback within 120 calendar days of the initial transaction. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. M01 Chargeback Authorization. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. There are dozens of reasons why cardholders and issuers dispute transactions. 3. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. This chargeback occurs when goods and services did not obtain authorization for the particular transaction exceeding the goods and service’s Floor Limit. chargeback: The buyer filed a chargeback with the credit card issuer. Chargeback Reason Codes. Many subscription payment disputes are made under code 13. Free Download. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. The first liability shift went into effect in October 2015 and covered almost all card-present transactions except for those that take place at ATMs and gas pumps. What is a chargeback fee? A chargeback fee is a non-negotiable fee, charged to merchants each time they receive a chargeback. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. Most reason codes apply to any merchant, regardless of what’s being sold. R13 No Reply. That said, looking up purchases using this number can make it easier to provide info following an. Chargeback reason code 13. Specifically, these updates only pertain to transactions that are charged back after Oct. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. FR2 Fraud Full Recourse Program. Justt, a Tel Aviv-based chargeback mitigation startup, is emerging out of stealth today with $70 million in total funding. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Consumer disputes, including processing errors. 70 Account number on exception file; 71 Declined authorization; 72 No authorization obtained; 73 Expired card;Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 70 Chip Liability Shift 71 Chip/PIN Liability Shift VISA Reason Code Description. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. . Early Warning: Reaching a chargeback ratio of 0. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. Reason Codes Category 4: Processing Errors. Chargeback /Dispute; Merchant Response. Chargeback. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. This chargeback occurs when goods and services did not obtain authorization for the particular transaction exceeding the goods and service’s Floor Limit. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute. Cardholder-Activated Terminal (CAT) 3 Device. Cause. Chargebacks. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims. 70% + 10¢ Visa Credit Card. These may impact the dispute time limits. Encrypt transmission of cardholder data. 1: Card Recovery Bulletin. Region Only) 4855 Goods or Services Not Provided. If you don’t reply in time or with . Responding to Mastercard Reason Code 4853 Chargebacks. Department of the Treasury publishes Check 21 Return Codes. 00. PIN data required. High-Risk (Excessive): Reaching a chargeback ratio of 1. Others require banks to wait for a certain period before they can issue a chargeback. ”. 15, 2021. Always ask for authorization regardless of the transaction amount. If you're contesting a chargeback, you'll need solid evidence. Last updated: October 15, 2019 . A reason code is how banks categorize the reason for a chargeback. Chargeback reason codes are one piece of evidence you can use to make your case. 2 EMV Liability Shift. Each chargeback received a numeric code which is known as the “reason code”. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Date Option. Before we get on with investigating these chargeback reason codes across networks and sharing. This process is called. Code. 0 to 5. 0. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Each chargeback is assigned a reason code that explains the justification for the chargeback. American Express is incentivized to keep their customers happy. Early Warning: Reaching a chargeback ratio of 0. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. We’ll Handle the Chargebacks. Reason Code: Numeric: Code for the chargeback request (see below). These codes are broken down into five different category. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. Include any terms relevant to the transaction, including return, cancellation and. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. . Review your credit card processor’s policies to understand its chargeback dispute process. EMV has been a mostly global standard since 2004. 8% with at least 1,000 total disputes. For example, 'R04' indicates that an invalid account number was provided. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. The most popular type of disputes of the chargeback category. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Recurring billing transactions are a frequent source of conflict, disputes, and. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. 7: Defective goods and services: C32: RM: 13. 54 - Expired Card. 6. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Fight and win up to 70% of your chargebacks. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. 74 (1 & 2) Late Presentment. Merchants who believe they have received an invalid chargeback under reason code 13. 10. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively.