Fraud
F14 Multiple ROCs
Details
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
Timing to raise the dispute (Issuer/Cardholder)
120days
Timing to respond to the dispute (Acquirer/Merchant)
20days
How to respond?
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
How to prevent?
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