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American Express Reason Code F30 EMV Counterfeit

Disputeโ€‹

American Express

Card Issuer Name

F30

Reason Code

Fraud

Category

Claim

The merchant processed a transaction using a counterfeit card, and the cardholder denied participating in the transaction. The merchant didnโ€™t flag the counterfeit card because they used a POS system thatโ€™s not chip and PIN enabled, or they manually keyed the transaction.

Cause

  • The POS wasnโ€™t chip-enabled, or the merchant manually keyed the transaction.
  • The merchant didnโ€™t fully transmit chip data.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 20 days to respond to the claim in dispute.

Steps to Prevention

The merchant should:

  • Only use EMV-compliant terminals.
  • Use correct verification methods โ€“ signature and PINs.
  • Train their staff on the proper ways to handle terminal issues.
  • Take a manual or electronic imprint of every card-present transaction.
Justt

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