Authorization
6322 Request Transaction Certificate for a Chip Transaction
Details
This code is used when an issuer requests the Transaction Certificate (TC) for a chip-enabled (EMV) transaction. The TC is a cryptographic value generated during a chip transaction, confirming its authenticity. Issuers may request this to verify transaction integrity or investigate potential issues.
Timing to raise the dispute (Issuer/Cardholder)
Timing to respond to the dispute (Acquirer/Merchant)
How to respond?
To address a retrieval request under Reason Code 6322:
-
Provide Transaction Documentation: Submit a clear, legible copy of the original sales receipt or transaction record, including details like the transaction date, amount, and description of goods or services provided.
-
Include the Transaction Certificate: Retrieve the certificate from your point-of-sale system or payment processor records and include it with the documentation.
-
Additional Relevant Information: If available, provide any logs or data from the chip transaction that can assist in verifying its authenticity.
How to prevent?
To minimize the occurrence of such retrieval requests under reason code 6322:
-
Maintain Detailed Records: Ensure your POS system properly records all chip transaction data, including the Transaction Certificate, and that this information is retrievable when needed.
-
Regular System Checks: Periodically verify that your POS terminals are correctly processing and storing chip transaction data.
-
Staff Training: Train staff on the importance of chip transaction data and the procedures for retrieving it in case of inquiries.