Either way, the end result is an unauthorized transaction that results in a chargeback. Message. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Code 4871 chargebacks usually occur when a fraudster with a stolen credit card targets a merchant whose POS terminals don't support PIN entry or convinces the merchant to bypass the PIN requirement. Level 2/Phase 2: Chargeback. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. In the distribution industry,. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. Multiple Authorization Requests. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. To better be prepared for what the future might bring, we try to predict how hacking tools might. Eligible Chargeback Reason Codes . By entering your email, you agree to receive marketing emails from Shopify. Mastercard chargeback reason code 4870 falls under the “Fraud” category. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurring . Generally, the issuer can apply for first chargeback for applicable transaction within decided time frame for the chosen Chargeback Services with Reason Code. These are only a handful of common Visa chargeback reason codes. message. 10. Include any terms relevant to the transaction, including return, cancellation and. 1 EMV Liability Shift 10. 4871: Chip & PIN Liability Shift: 4905: Invalid Acquirer Reference Data on Second Presentment: Retrieval Request Reason Codes; 6305: Cardholder does not agree with billed amount: 6321:Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. 4808. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder dispute, fraud, and point of interaction. Using the same link provided above, contact PayPal to report the scam. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Download PDF Report. pdf), Text File (. Specifically, these updates only pertain to transactions that are charged back after Oct. 2: EMV Liability Shift Non-counterfeit Fraud: 10. Authorisation. Mastercard Chargeback Reason Code 4871: Chip Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud; American Express Chargeback Codes. The issuing bank will then pass on the chargeback to the merchant. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. First Chargeback failed: Reason Code 4870 not allowed for Chip to Chip Transactions under CLS: 100001: 400: INVALID_REQUEST: First Chargeback failed:. Lack of proper chargeback reason codes. 4871 – Chip Liability Shift – Lost/Stolen/Never Received: 120 days. American Express is incentivized to keep their customers happy. These codes fit into four categories:. Application: Smart Dispute for Acquirers: Scheme Impact: MCOM:. 7: Defective goods and services: C32: RM: 13. 2. 7 Violation for Coercion Claim. Chargeback Reason Codes /. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about the duration of message reason code 4808 chargeback protection period. Mastercard Collaboration will be a step in the right direction. The Mastercard chargeback flow: Optional: Request for Information (Deprecated) Information Supplied Chargeback reason codes identify the general reason behind a chargeback. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Printer. The chargeback reason code classifies the type of chargeback, the reason for why the. Authorisation related chargeback. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. Switch to Visa MasterCard. ”. Written by Chargeback Gurus. In document Chargeback Guide. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. 26% - the number of chargebacks that result from undelivered orders. This generally refers to fraud. This claim strongly suggests that the merchant processed a stolen card on a payment. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 4871 – Chip Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud. 3: Goods or services were not as described: C31: RM: 13. Chargeback Reason Codes /. This will be referenced in the chargeback notice you received. Match case Limit results 1 per page. MasterCard: Reason Code 4859 Services not rendered. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. Canceled the recurring plan. 60. I am a small business owner. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. 4870 – Chip Liability Shift. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. 4808: This code can refer to: Account Number Not on File. Code Description; 43:. 10. 5%. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. The most comprehensive guide to chargeback reason codes. 1: Use the corresponding dates from the invoice. The terminal action codes are in Table 122 of the 4. The chargeback process can last from one month to six months. 3: Goods or services were not as described: C31: RM: 13. See Reason Codes for more. MasterCard ChargeBack Guide 20141030. The third digit indicates the specific reason within that category. - Chip Liability Shift – Lost/Stolen/Never Received Fraud. Code 4808 refers to authorization-related chargebacks. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Today, I received papers that CitiBank issued a chargeback for reason code: 4871 Chip/Pin Liability Shift. 0: Updated report version from 1. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 3: Goods or services were not received: C08: RG: 4855: 13. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. 0: Changed report name from Downloadable Dispute Report to Case Report. 4846. Discover uses unique codes to explain those reasons to merchants. Ready to see MidMetrics™ in action. TabaPay 1099k Procedures; Transaction Integrity - Network Fees;. This provided a number of insights into the typical. 4871: Chip/PIN Liability Shift: 4807: Warning Bulletin Files: 4808: Authorization-Related Chargeback: 4812: Account Number Not On File: 4834: Point-of-Interaction. VISA; CODE: DESCRIPTION: 10. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Region Only) 4855 Goods or Services Not Provided. Visa. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. Follow any formatting instructions and deadlines, and ensure you directly respond to the chargeback’s reason code. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. Create a manual or electronic imprint of each card-present transaction. 7 Violation for Coercion Claim. 7: Defective goods and services: C32: RM: 13. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. 3: Goods or services were not received: C08: RG: 4855: 13. See the list of reason codes below: Card Network. About American Express chargeback reason codes. 4. UA06 Fraud – Chip and PIN Transaction. Visa Chargeback Reason Code 10. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized face-to-face. ”. The card scheme receives the chargeback and forwards it to the acquirer. Code 10. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Reason Code. The shorthand description is “EMV Liability Shift Non-Counterfeit Fraud. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. This code collects all the. Code 4871 chargebacks usually occur when a fraudster with a stolen credit card targets a merchant whose POS terminals don't support PIN entry or convinces the merchant to bypass the PIN requirement. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Others require banks to wait for a certain period before they can issue a chargeback. The cardholder initiates contact with their bank or credit union to file a dispute. FAQ: What remains Chargeback Representment? TIPS. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Regarding April HotFix 83179, in the following scenario, should Smart Disputes allow a Fraud chargeback to be resubmitted using reason codes 4837/4870/4871? - 15 Fraud CB's are submitted. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. View 225 Download 6. S. A reason code or a chargeback reason code is a string of symbols (numbers and letters). 1 - Card Recovery Bulletin: The transaction was below your credit floor limit and was not authorised. Chargeback amount is equal to or less than the exceeded limited /authorised amount. Description. 1The reason code used to describe the dispute will determine the chargeback time limit. 2. PCI DSS v3. 96 . The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Proof you have already refunded the transaction and credited the cardholder’s account. Proper Use of Message Reason Code 4871. 4871 – Chip/PIN Liability Shift: 120 calendar days of the Central Site Business Date: As of May 10, 2016, the MasterCard Chargeback Guide pared down the list of chargeback reason codes significantly. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 1: EMV Liability Shift Counterfeit Fraud:. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Fight; Prevent; Recover; Predict; Success Story; Resources. Look below the surface. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. 4871 Lost/Stolen. 16, 2021. 4807 – Warning Bulletin File. Merchants should: Upgrade terminals to EMV-compliant terminals. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. 4808. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. During this process, the representative of the institution examines the reasons’ list. Merchants. The chargeback notification send by the issuing bank will include the reason code for the chargeback. FR6 Partial Immediate Chargeback Program. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration chargeback. Both EFM and ECM measure compliance at the MID level. Discover chargeback reason code 7030. See full list on chargebackgurus. EMV LAIBILITY SHIFT – Card lost / stolen . 4896 . The chargeback reason code. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Code Reason for a Retrieval FulfillmentEach chargeback received a numeric code which is known as the “reason code”. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. This liability shift essentially provides merchants. pdf. You’ll put that reason code, the transaction amount and authorization number, and state that the. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The Chargeback Essentials course addresses the following objectives: Define and summarize chargebacks; Describe chargeback reason codesMastercard chargeback reason code 4871: Chip Liability Shift involves fraudulent transactions where the merchant did not use an EMV-compliant terminal. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Write Off. 4870/4871: Chip/PIN liability shift/ Counterfeit transaction: 1. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Visa chargeback reason code 10. Additionally, one clearing transaction. As we touched on earlier, chargebacks can happen due to technical errors. Authorization. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Chargeback Reason Code . Visa chargeback reason code 75 is implemented when there is a transaction listed in billing statement and customer don’t. Reason code 4870 refers to the broad category designated “No Cardholder Authorization. 4871: Chip/PIN Liability Shift: Fraud: 4807: Warning Bulletin File: Authorization: 4808: Authorization-Related Chargeback: Authorization: 4812: Account. ”. ”Those reasons are explained through the corresponding reason codes. REQUEST A DEMO. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Again, banks should not really be using 4807. For disputed fraud or “no authorization” chargebacks, provide evidence that the cardholder was aware of and authorized the transaction. 6: Duplicate processing/Paid by other means. Let's. For best results, your chargeback win rate should be as close to 100% as possible. Mastercard also considers some chargeback reason codes to be indisputable. 4871: EMV Chip/PIN Liability Shift: Cardholder Disputes : 4853: Cardholder Dispute of a Recurring Transaction: 4853: Issuer Dispute of a Recurring Transaction: 4853: Goods or Services. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. You should only request re-presentment for a Reason Code 71 chargeback if the transaction at issue was indeed authorized and you received an authorization. Visa, MasterCard, and American Express all list compelling evidence by reason code. Reason code Description; 4807: Warning Bulletin File: 4808: Authorization-Related Chargeback: 4812: Account Number Not on File: 4808: Required Authorization Not. The issuer may use chargeback message reason code 4871 under the following conditions. By entering your email, you agree to receive marketing emails from Shopify. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Claim. 1 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. 4512: Duplicate Processing:Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRMasterCard Chargeback Reason Codes. Visa flagged the transaction under the Fraud Monitoring Program, and the issuer has not filed a chargeback under another reason code. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Customer Dispute. Chargebacks Explained;Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. 4 Fraud – Card-Absent Environment. Visa chargeback reason codes retrieved from Visa. The network hasn't wholly disallowed some old codes. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. When one cardholder initiates a dispute with their issuing bank, a. For disputed fraud or “no authorization” chargebacks, provide evidence that the cardholder was aware of and authorized the transaction. Chargeback reason code. Remember!While the updates have been published, they do not go into effect until Oct. Scribd is the world's largest social reading and publishing site. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. Mastercard Chargeback Reason Code 71: Disputed Amount. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Mastercard chargeback reason code 4841 falls under the “Cardholder Disputes” category. 3 falls under the “Consumer Disputes” category. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. Once you know why a chargeback happened, you can start building a case to address the claims that were. This ranges anywhere from roughly 60 to 90 days after purchase. Use this resource to prevent and fight chargebacks with greater accuracy. Point of Interactions Errors. Chargeback Reason Codes by Industry. Don’t assume representment is off limits just because the chargeback has a certain reason code. MasterCard ChargeBack Guide 20141030. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). None, although there is a $0. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Reason code 4871 – Chip & PIN Liability Shift How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb. What is Visa chargeback reason code 13. Mastercard Reason codes fall under four categories. 6). Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Fraud. Fraud. 4870 – Chip Liability Shift. 4 Other Fraud Card Absent. 10. Merchant error: There are several Chargeback related to merchant services than any other category and most of them are preventable. 3? Visa chargeback reason code 13. Change the default CVM priorities and add more card types by editing the CVMConfigurations decision table. 11, 16 November 2015, Elimination. Authorization. If the order was genuinely not as described, then the cardholder has a case. By entering your email, you agree to receive marketing emails from Shopify. Body examplePlease note that the most common Chargeback reason code for Allocation disputes is 10. merchants the ability to respond more quickly and resolve (or win) the dispute before suffering losses. It is a valuable resource for anyone involved in the payments industry. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Visa chargeback reason code 10. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Visa chargeback reason codes. 4871 - Chip/PIN Liability Shift. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just undergoing with Visa Claims Resolution. Chargebacks can pile up your expenses and. 1Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Regarding April HotFix 83179, in the following scenario, should Smart Disputes allow a Fraud chargeback to be resubmitted using reason codes 4837/4870/4871? - 15 Fraud CB's are submitted. MasterCard Chargeback Reason Codes MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors. Cardholder Dispute. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Step 2: Customer initiates the chargeback. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. All ACH return reason codes consist of the letter “R” followed by two. Below is a list of Mastercard chargeback codes used in eCommerce. ”. If the merchant is not EMV-compliant, the liability for a fraudulent transaction shifts from the card issuer to the actual merchant. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 7: Defective goods and services: C32: RM: 13. 04/09/14 Discover: DC, U02. 3. 4807 – Warning Bulletin File. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Reason Code. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. For defective or “Not as Described” reason codes. Specify the invoice date and net due date to assign to chargebacks. Reason Code 4871. Text of Chargeback Guide. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. 3. Terms and conditions. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Read the Chargeback Advice letter carefully. There are over 80 unique return codes, each representing a different return type. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. The shorthand description is “Declined Authorization. Chargeback reason codes Jérôme Alimondo Cohen /token 30 March 2023 13:46; National Visa, national and international MasterCard. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Chargeback Reason Codes Visa. Reason code 4870 refers to the broad category designated “No Cardholder Authorization. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. If you have general, cookie-cutter standards, you’ll needlessly forfeit a lot. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. 3 is the less common version for card-present transactions. 4807: Warning Bulletin File. Updated message reason code 4871 (Lost/ Stolen/NRI Fraud Chip Liability Shift) for chargebacks of transactions authorized on or after 21 April 2017. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. This generally refers to fraud. Thus, the easiest way to prevent chargeback reason code 75 from being. 7: Defective goods and services: C32: RM: 13. Dispute Reason: Fraud - 4837/4870/4871: Functional Category: FNS counter: Effective Date:. The following are some examples: Visa Reason Code 13. Although each card network has its own chargeback reason codes, their end goal is the same: Clearly describe why a customer is disputing a transaction. Reason codes often change or are removed by the card brands. PSM - PSMSR156E No Process was found for image [PSMInitSession. We’ll Handle the Chargebacks. These numeric codes are varied by card network but serve. ”. You will be given several days to file an objection with the right documentation. This should include notation that indicates the specific reason for the chargeback. Pre-arbitration gives the acquirer and issuer. 2. Explain your situation, and ask for their intervention. Check with the issuing banks to determine what time limits may apply to you.