Reason Code UA06: Fraud/Chip-and-Pin Transaction

The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry.

• The merchant didn’t use a chip-and-PIN compatible terminal or was convinced to bypass the PIN requirement.
• A fraudster completed the payment.

• Upgrade to EMV-compliant terminals.
• Acquire the necessary authorization before completing the transaction.
• Use cardholder verification methods like PINs and signatures for transactions.
• Train staff on the proper POS procedures.

The card issuer gets 30 extra days to file a chargeback if they submitted a retrieval request which was completed after the 120 days.