Shared note

UT notations

0- if card was lost or not in possession as long as no clear signs that card was stolen

0- if there is contradicting information during and after the disputed transaction then no signs that card was lost/stolen

1- if wallet is stolen/card stolen regardless of any contradicting information as long as card was tagged as stolen

4- in possession card present and if no contradicting information or card was tagged as n/a

5- if disputed card is virtual/temporary regardless of the card status

6- in possession card absent and if no contradicting information or card was tagged as n/a

Decision Outcome: Chargeback

Decision Outcome Reasoning:

• No SMS Override
• No Third Party Access
• No Qualified funding event observed
• No unfreezing event that suggest the full control of account.
• Not a PIN Based transaction

Decision Outcome: Denial Evidences

Decision Outcome Reasoning:

• No signs of ATO
• With 2 valid undisputed transactions
• With valid EMV or CP transactions
• With unfreezing event suggest account control
• With qualified funding events
• Transaction has SMS overridden
• Decision Outcome: Approved

Decision Outcome Reasoning:

• No SMS Override

• No Qualified funding event observed

• No 3rd party authorization

• No AVS Matched

• Not a PIN Based transaction

• No unfreezing of the card observed

• Velocity Abnormal

• Amount Abnormal

• Location Abnormal

• With signs of remote login or Chime impersonation scams

• No 2 or more undisputed transactions with an exact match to the merchant

• Not enough signs that fraud DID NOT occur to deny the dispute

• No undisputed card present transactions on the lost or stolen card

• Undisputed card present transactions found on the lost or stolen card

• PIN transaction and the PIN was not changed, lost, or exposed

• Unfreezing event that suggest the full control of the account

• Pattern of use found for <> on <<1st undisputed transaction date>> and <<2nd undisputed transaction date>>.

• SMS override AND no phone number changes within 48 hours

• Disputed transaction where AVS = "Y" without an address change.

• No ATO hallmarks

• EMV transactions on Moto/Counterfeit claims

• No Chime impersonation scam or remote login

*--FOR DENIAL:---

*SMS Override

• With qualified funding event

• No signs of ATO

• PIN transaction and the PIN was not changed, lost, or exposed

• Freezing and unfreezing activity observed ,suggests they have control of the account

• EMV Denial

• No Deny/Response code observed

• With valid undisputed card present EMV Chip transaction observed

• With 3rd party access/authorization

• Not a PIN transaction OR PIN transaction and the PIN was changed, lost, or exposed

• AVS is A, X, Y, without an address change

• With 2 or more undisputed transactions with an exact match to the merchant

• No signs of remote login or Chime impersonation scams. ------FOR APPROVAL:--------

• No SMS Override

• No Third Party Access

• No Qualified funding event observed

• No AVS Matched

• Not a PIN Based transaction

• No freezing and unfreezing of the card observed

• Velocity Abnormal -Amount Abnormal

• Location Abnormal

• With signs of remote login or Chime impersonation scams

• Decision Outcome: Approved

Decision Outcome Reasoning:

• No SMS Override
• No Qualified funding event observed
• No 3rd party authorization
• No AVS Matched
• Not a PIN Based transaction
• No freezing and unfreezing of the card observed
• Velocity Abnormal
• Amount Abnormal
• Location Abnormal
• With signs of remote login or Chime impersonation scams
• No 2 or more undisputed transactions with an exact match to the merchant
• Not enough signs that fraud DID NOT occur to deny the dispute
• undisputed card present transactions on the lost or stolen