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Created on Thursday, 20 October 2011 18:07
Effective 13 April 2012 - EU
MasterCard changed its chargeback processing procedures on 13 April 2012.
MasterCard has defined “compelling evidence” that can be submitted under RC 37 – No Cardholder Authorisation. In a second presentment situation, such evidence is:
• A receipt, work order or other document signed by the cardholder
• A confirmed registration from the cardholder to receive electronic delivery of goods or services, or
• Letters, email, faxes or other written correspondence between the you and the cardholder
Also, issuers will no longer have to submit a progressive cardholder letter under RC 37 to confirm fraud as long as:
• The original chargeback documentation shows the date of the last valid transaction
• The disputed transaction was authorised after that date, and
• The cardholder does not provide new evidence after the second presentment.
MasterCard will retire the following RCs:
• 35 – Card Not Valid or Expired
• 47 – Requested Required Authorisation Not Obtained and Fraudulent Transaction
• 57 – Card-Activated Telephone Transaction
• 62 – Counterfeit Transaction Magnetic Strip POS Fraud
