Check the terminal, card-entry and authorization records with your processor before asserting a liability shift.
Records to compare
- Transaction and terminal identifiers
- Card-entry method and fallback status
- Authorization result and relevant network data
- Reason code and processor assessment
Check the conclusion
The presence of a chip on the card is not enough to establish the result for a particular transaction. Use the processor’s assessment and the applicable rule.
Prepare the response
Use the response guide to connect each statement to a record. Check the evidence and follow the deadline and submission requirements in the actual dispute.