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