Reason Code F29: Card-not-present

The merchant processed a telephone, mail, or internet order in which the cardholder claims they didn’t authorize or participate.

• In a card-not-present environment, the merchant processed a transaction using an invalid or stolen account number. 
• Due to an unclear billing descriptor, the customer believes the transaction is fraudulent.

• Request authorization for card-not-present transactions and recurring transactions regardless of the transaction amount.
• Get verification in the form of a PIN or imprint.
• Clearly label card-not-present and card-present transactions.