10.4 Other Fraud — Card-Absent Environment

This code is used for fraud that occurs in a card-not-present (CNP) environment, such as e-commerce, phone orders, or mail orders, where the fraud doesn't fall under other specific categories.

• Used when cardholder claims they did not authorize a CNP transaction
• Applies to e-commerce, MOTO (mail order/telephone order), and other CNP channels
• Merchant must prove cardholder participation

Provide evidence of:

• Cardholder authorization (signed contracts, IP address logs, device fingerprinting)
• AVS/CVV match
• Delivery confirmation to billing address
• Customer communication history

To prevent this chargeback:

• Implement strong fraud detection tools
• Use 3D Secure authentication
• Verify AVS and CVV for all transactions
• Monitor for suspicious patterns