F14 Multiple ROCs

This code is used when a cardmember was charged multiple times for a single transaction, often due to merchant error or fraudulent activity.

• Multiple charges submitted for a single authorized transaction
• May indicate merchant processing error or fraud
• Different from P08 (Duplicate Charge) as it involves multiple separate ROCs

Provide evidence of:

• Each charge represents a separate, legitimate transaction
• Cardholder authorization for each transaction
• Different goods/services for each charge
• Itemized receipts for each transaction

To prevent this chargeback:

• Implement duplicate transaction detection
• Train staff on proper authorization procedures
• Use unique invoice numbers for each transaction
• Review batch submissions before processing