Reason code

This code is used when a cardholder disputes a transaction, asserting that they did not authorize or participate in a card-present transaction. This typically indicates that the physical card was used fraudulently in a face-to-face environment.

To address a chargeback under reason code 7010:

• Provide Proof of Authorization: Submit a copy of the transaction receipt, ideally with the cardholder's signature, demonstrating that the transaction was authorized.​
  
  
• Surveillance Evidence: If available, provide video footage from the point of sale showing the cardholder present during the transaction.​

• EMV Data: If the transaction was processed using chip technology, include evidence that the EMV chip was read and the transaction was approved.

‍

To minimize the occurrence of chargebacks under reason code 7010:

• Implement EMV Compliance: Ensure all point-of-sale terminals are EMV-compliant and encourage customers to use chip transactions over magnetic stripe swipes.​
  
  
• Verify Cardholder Identity: Request identification for high-value transactions to confirm the cardholder's identity.​
  
  
• Maintain Transaction Records: Keep detailed records of all transactions, including signed receipts and any additional verification steps taken.​

• Monitor for Suspicious Activity: Train staff to recognize and respond to potentially fraudulent behaviors during transactions.

‍