Reason Code F10 - Missing Imprint

Description

Why did I receive this chargeback?

You processed a transaction without using the magnetic stripe or chip card data, and the cardholder claims he or she didn’t participate in the purchase.

Note: This reason code should not be used for card-not-present transactions or charges that qualify for the keyed-no imprint program.

Fight

What compelling evidence is needed to respond?

Your chargeback response must include at least one of the following items:

• If the purchase qualifies for the keyed-no imprint program or was a card-not-present transaction, provide proof the dispute is invalid.
• If the card was present at the time of the purchase and the transaction was processed correctly, provide an imprinted charge record or a capture of the magnetic stripe.
• If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.

Prevent

How can I avoid this chargeback in the future?

• Create an electronic or manual imprint for every card-present transaction.
• Use fallback options—like manually entering transaction data—as a last resort.
• If you do perform a key-entered transaction, make a manual imprint of the card.
• Only use EMV-compliant terminals.
• Always use the correct cardholder verification method—signature, PIN, etc.
• Make sure you differentiate between card-not-present and card-present transactions during clearing by noting internet, phone, or mail orders.

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