Reason Code 10.2: EMV Liability Shift Non-Counterfeit Fraud

The cardholder claims you processed a stolen or used a PIN preferring chip card on a terminal that wasn’t EMV PIN compliant.

In the card present transaction, the merchant:

• Didn’t use a chip reading terminal.
• Used a chip reading terminal that wasn’t PIN compliant.
• The chip transaction was authorized without complete chip data.

• Use EMV PIN compliant terminals.
• Use the correct CVM (Cardholder Verification Method). It could be a PIN or signature.
• Get proper authorization and manual or electronic imprint for each card present transaction.
• Train your staff to process and handle card-present transactions properly.