Mastercard4871

Chip Liability Shift — Lost/Stolen/Never Received Issue (NRI) Fraud

What is this chargeback?

The use of an EMV chip card resulted in a fraudulent transaction at a non-hybrid terminal; the use of an EMV chip card resulted in a fraudulent transaction at a hybrid terminal (with or without a PIN pad). - The disputed transaction was authorized. - The card had not been reported lost or stolen at the time of the transaction. - The card used was not an EMV chip card.

How to Respond

The merchant should provide documentation proving the transaction was processed correctly and in compliance with EMV standards. This may include evidence that the cardholder was present and authorized the transaction, such as a signed receipt or video footage. - Upgrade all card-readers to be EMV compliant. - Always obtain secondary verification (token, PIN, signature, biometrics, etc.). - Insist that all chip cards be tapped or inserted, not swiped.

Prevention Tips

- Upgrade to compliant terminals - Make sure to obtain the correct Cardholder Verification Method (CVM), such as a signature or PIN - Take an imprint (either electronic or manual) for every card-present transaction where a chip card is not used

How ChargeMate Helps You Win This Dispute

ChargeMate's AI analyzes your transaction data, reads your evidence documents, and generates a compelling, network-compliant response specifically tailored for Chip Liability Shift — Lost/Stolen/Never Received Issue (NRI) Fraud disputes. Our system knows the exact evidence requirements and winning strategies for this dispute type.

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