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Card Brands - Discover Reminder: Disputes of Card Transactions with Counterfeit, Lost or Stolen Chip Cards

Discover Disputes of Card Transactions with Counterfeit, Lost or Stolen Chip Cards

The Change: The below modifications have been made to the JCB and UnionPay EMV fraud liability shift policy:
  • Include JCB or UnionPay card transactions acquired in the U.S.
  • Counterfeit JCB or UnionPay cards used at a contact chip card POS or ATM device (excluding AFD in the U.S.)
  • Not applicable for JCB and UnionPay card sales reported as lost or stolen

The Impact: If an Acquirer or Merchant uses Discover ProtectBuy® to submit a Discover ProtectBuy Authentication Request for a Card Not Present Card Sale and receives “Unable to Authenticate” as the Discover ProtectBuy Authentication Response, the Issuer may initiate a Dispute of such Card Not Present Card Sale for fraud or where the Cardholder does not recognize the Card Sale.

Card Not Present Card Sales by Merchants operating in the following MCCs that use Discover ProtectBuy to obtain a Discover ProtectBuy Authentication Response of “Authentication Successful” or Authentication Attempted” may be subject to Dispute:

• MCC 6540 – Non-Financial Institutions (e.g. stored value card purchase/load),
• MCC 7801 – Government Licensed On-Line Casinos (e.g. On-Line Gambling), and
• MCC 7802 – Government Licensed Horse/Dog Racing

Clarification of Reason Code AA Eligibility

Two new eligibility rules have been added to Reason Code AA - Does Not Recognize where this reason code cannot be used by the issuer:

• Card Sale using In-App authentication on a mobile device in a digital wallet and authorization includes CDCVM (Consumer Device Card Verification Method)
• In-App card sale on a mobile device where authorization includes a valid cryptogram

Discover Issuer Identification Number (IIN) Ranges

• Added new UnionPay IIN range 62292600 - 62379699 to IIN Range Routing Table

• Commercial Debit Cards Table
• IIN Range 65799902 - 65799902 extracted from larger range of 65799902 - 65799999
• Payment Token Consumer Debit Cards Table
• IIN Range 65001006 - 65001006 extracted from larger range of 65001000 - 65001099

The Timing: October 2019, unless otherwise noted 

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