Reason code

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.

‍

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.

‍

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.