PANG DENY NI BOY !!!

DENIAL:

-With manual funding observed or prior to auth (intended) -With previous transaction to the disputed merchant -With spending pattern observed -Merchant normal (Need specify) -Velocity normal -Low ending balance -Spot me limit was utilized -With cash in/cash out observed -With valid undisputed card present EMV Chip or EMV Contacless transaction (multiple trnx-in between auth to auth)(single transaction - after disputed trnx) -With Purchase Inquiry ( email, name, address and phone number matched on our record ) -With freezing and unfreezing observed within UT timeframe

• No Deny codes within UT timeframe -Continuous funding (multiple trnx-in between auth to auth)(single transaction - after disputed trnx) -No PII changes observed, No ATO Hallmarks within UT timeframe -PIN DENIAL ( No deny code 55, No Pin changed, Pin secured) -Within the vicinity -Credential on file / however ( Phone compromised ) as supporting denial -No fraud alert -3rd party access -Recurring Flag : Yes