Reason code

This code is used when a cardholder disputes a transaction, asserting that they did not authorize or participate in a card-not-present (CNP) transaction. CNP transactions occur when the physical card is not presented, such as in online, mail-order, or telephone-order purchases. This reason code indicates potential unauthorized use of the cardholder's account information in such scenarios. ​

The best way to address a chargeback under reason code 7030 is by providing evidence that the transaction was authorized by the cardholder. This might include: 

• Address Verification Service (AVS) Results: Demonstrate that the billing address provided matched the cardholder's address on file.​
  
  
• Card Security Code Verification: Show that the Card Verification Value (CVV) or Card Identification Number (CID) provided matched the card's security code.​

• 3D Secure Authentication: If applicable, provide proof that the transaction was authenticated using 3D Secure protocols.​

You can also use transaction details such as the IP address from which the order was placed, information about the device used to place the order, and copies of confirmations sent to the cardholder’s email address. If physical goods were shipped, proof of delivery and communication records between you and the cardholder can also be great evidence.

To minimize the occurrence of chargebacks under reason code 7030:

• Require Card Security Code (CVV/CID): Mandate the entry of the card's security code and verify its accuracy before processing transactions.​
  
  
• Adopt 3D Secure Authentication: Implement 3D Secure protocols (e.g., Verified by Visa, Mastercard SecureCode) to add a layer of authentication for online transactions.

• ‍Use Address Verification Service (AVS): Ensure that the billing address provided matches the address on file with the card issuer.

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