Reason Code 10.3: Other Fraud: Card-Present Environment/Condition

The cardholder claims they did not authorize or participate in an unattended or key-entered card transaction.

The merchant didn’t:

• Ensure the card was read and the chip was read.
• Get a manual card account imprint for the key-entered transaction.
• Label a card-not-present transaction as either phone/mail or internet order.

• Ensure card-present transactions are magnetic stripe read or chip-read.
• If you cannot read the chip or swipe the card, always create a manual card imprint.
• Always differentiate between card-not-present and card-present transactions.