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Doc 20240102 Wa0012.

Electronic Data Capture (EDC) machines facilitate payments at retail outlets through various methods including debit and credit cards, QR codes, and UPI. The document outlines different types of transactions (e.g., face-to-face, online, contactless) and their corresponding codes, as well as fraud reporting codes and chargeback scenarios related to card transactions. It also details the processes for handling disputes, including authorization requirements and timeframes for chargebacks.

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73 views8 pages

Doc 20240102 Wa0012.

Electronic Data Capture (EDC) machines facilitate payments at retail outlets through various methods including debit and credit cards, QR codes, and UPI. The document outlines different types of transactions (e.g., face-to-face, online, contactless) and their corresponding codes, as well as fraud reporting codes and chargeback scenarios related to card transactions. It also details the processes for handling disputes, including authorization requirements and timeframes for chargebacks.

Uploaded by

renukushwaha434
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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3.2(Electronic Data Capture) machines are used for accepting payments at all retail outlets.

Customer can pay through Debit Card, Credit Card, QR code, UPI, PPB and Net Banking. The
cards supported are Visa, Master, Rupay and International Cards.

Information should remain confidential.


Magnetic Strip Card – POS 90, EMV
Non magnetic Strip Card – Non EMV

EMV - Visa Displays Code – 201 – Face to Face Transaction


Non EMV – Displays Code – 101 – Online, Wi fi,
Chip Card – MasterCard Non EMV
POS – 01,05,90,10,07,91,81,

POS 1 – Key Entered Transactions


CNP – Online Mode/ Telephonic
Card Presence – Outlet

POS 5 – Chip and Pin Based Transactions


Chip Card Inserting in POS then So Microchip can be read by the Machine and terminal prompt
to enter their PIN.
Fall back Transaction – A Chip Card used in POS called FBT.

POS 90 – Face to Face Transaction, auto Entered


Merchant Outlet – Presented to merchant – Swipe Card – Merchant and CH both present

POS 10 – Online Transactions, telephone Service


CNP Scenario

POS 07/91 – Contactless Transaction / Tapping Transaction

POS 81 – E commerce transactions/ Online Transactions / Telephonic Transactions


POS 2 – Magnetic Strip red Transactions

POS 79/80 – Master Card, Similar to POS 05/07


It’s NCBR.

EMV –
MCC – Categories for what is the business its doing
EDC – Electronic Data Capture
ARN – Acquirer Reference

Visa
a) Allocation – Fraud, Authorization Dispute Related
b) Collaboration - Processing Error, Consumer Dispute
Authorization – Transaction was declined at the POS but later posted.
Processing Error – Double Charged, Incorrect Transaction, (Merchant Error basically)
Consumer Dispute – G&S defect, not provided, broken.

CNP – RC – 10.4
POS – 01, 10, 81
Fraud Reporting Code - 6(Card not present)
Moto Value – Mail Order Telephonic order
Moto Stands for Mail Order or Telephonic Order
ECI – Electronic commerce indicator
Moto Number = 1-8
It means transact11.3ions were done thorough online or telephonic order.
Except Moto- 5= It means 2D secure Transaction.
Moto 6 = 3D Secure Transaction
For both Moto
RC 10.3 – Card Present Scenario - Manually enters the Card details in the system and lead to
enter key
POS – 01, Moto = Blank or Zero, Terminal Entry – 5
Moto – Other than Zero CNP
Terminal Number – 5
Fraud Reporting Code – 4 (Counterfeit)

RC 10.1 – Chip Liability Shift for EMV Card


POS – 90
Swipe Card – When we swipe the card, magnetic terminal read the details. Due to this magnetic
strip the fraudulent can extract the details and can create dupe or clone.
Terminal Entry – 2 or 8
Chip Card - Insert Card –
EMV Card = service Code – 201
Fraud Reporting Code – 4

POS – 90, Terminal Entry – 5 = It means chip card used in chip terminal and merchant has
followed the Network rule, Hence Issuer has to take write off. (NCBR)
Insert the card in EDC machine.
Fraud Reporting Code - 4

Fullback transaction – Chip Card used in Terminal

Merchant Issued Credit Indicator – Amount, Merchant, Auth Code,


If different Auth Code – Need to check the transactions before 1 year
Every Credit should match with relevant transactions auth code.
RC 11.3 – No Authorization/ Authorization Dispute
For each and every transaction merchant should take authorization from merchant and there
should be posted sell for it.
There will be no Auth code for No authorization.
Fraud reporting code – No Fraud Reporting code
Need to Check for previous one year transactions.
CB Time Frame – 75 days

MasterCard – 4837 = Unauthorized = 10.4 rule will be applicable


POS – 81, online Transaction
Fraud Reason Code – 6 (CNP)
Except Moto = 5-6 we will process CB.
There will not be UCAF but need to check.
UCAF – Universal Cardholder authentication Field = VbV
UCAF – if it is 1 or 2 then supposed to proceed with write off.
If it is 0 or blank then we will process the CB.
Time Frame – 120 days

RC – 4870 = 10.1 Visa = Chip Liability


POS – 90,
Terminal – 2, 8
UCAF – 1 or 2 write off and if its zero we will do CB
Fraud Reporting Code – 4
Terminal – 5 and POS 90 we will write off.
No Need of fraud type
RC 4871 = Chip and Pin liable for lost and Stolen Card
POS – 05
Fraud Type – Lost or Stolen
Apart from lost or stolen need to write off.
Pin Preferred Chip Card or Signature Preferring chip Card
PPCC (Pin Preferred Chip Card) – CB,
SPCC (Signature Preferring chip Card) – Write Off
UCAF – if Zero or Blank = CB
If 1 or 2 = Write Off
If it is counterfeit or CNP we will proceed for write off.

RC – 10.5 = Visa Fraud Monitoring Programme


Related Fraudulent Merchant, Visa Listed few fraudulent merchants.
MFP = Monitoring Fraud Programme

Non Fraud

Visa RC 12.5 = Incorrect Amount / Incorrect Billing Amount


E.G- Difference of amount need to process Chargeback.

RC Visa 12.5 = MS 4831


No Document required processing Chargeback.
Time Frame – 120days

RC Visa 12.6.1 = Duplicate Billing


MS – 4834 Condition 1, Sub condition A – Duplicate Billing
VISA - To Process with 12.6 we need only merchant and amount need to be same.
MS - For Transaction date, Same ARN, Same merchant, Same Amount
No Supporting Documents required.
RC Visa 12.6.2 = Paid by other Means (PBOM)
Required proof of documents = Cash receipt, Invoice, Bank Statement

MS – 4834, Condition 1, Sub Condition B – Paid by Other mean


Time Frame – 120 Days
Supporting Documents Required

4834- 1(b) paid by other ARN


Merchant name should be same for VISA
$10 ARN 1234
$10 ARN 5678
No Need Supporting Docs
Visa 12.6.2 = Paid by Other Mean
ATR – 14 Days

RC 13.1 = Merchandise or Service not received


MS –Sub Condition 2.
Time Frame – 120 Days
ATR – 14 days from transaction
EDT - 14 days from transaction

21/02

Visa 13.2 = Cardholder Cancelled Recurring


ATR – 14 days from transaction
Cancellation Date – Same Date of Transaction or after date of transaction
No Need of Supporting docs
120 Days
Vis 13.3 – Not As Described or Defective Merchandise
MS 4853 - Condition 1
ATR –
120 Days
No Supporting Docs required
What was ordered and what was received.

Visa 13.4 – Counterfeit Merchandise


Supporting Documents – 2nd merchant opinions
Saying or confirming that earlier product was counterfeit.
ATR – 14 days from transaction

MS 4853 – Condition 5, Sub Condition A = Credit Not Processed


ATR –
Mandatory Documents – Credit Slip
Visa - 13.6
120 days

Visa 13.7 = Cancelled Service or merchandise


MS 4853 – Condition 5, Sub Condition B
No supporting Docs – No Need
Cancellation Date – Mandatory

MS 4853 – Condition 5, Sub Condition C = Merchandise Returned


Visa 13.7
Returned Date –
120 Days
13.1 Scenario

Cardholder purchased a Mobile phone through key entered transaction on 25 th of Jan 22 and supposed
to receive on or before 5th February. Cardholder emails to the issuer and reported his dispute on 10 th
feb. He did not connect with merchant so far.

Cardholder booked a hotel ticket from an online booking website through telephonic 22 nd Jan 22.
Merchant advised that booking confirmation will be shared within 48 hours but not received. And
Cardholder called to the bank on 11th feb and reported their dispute due to Merchant not responding his
calls or emails.

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