Guaranteed Fraud Protection - Chargeback Coverage Policy
Last updated: October 15, 2019
Eligible Chargeback Reason Codes
Signifyd’s Guaranteed Fraud Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback reason codes and categories specified below.
Signifyd offers separate products that cover extended protection on additional reason codes pursuant to a separate agreement.
Note: Card processors may update their chargeback codes from time to time, which may not be fully reflected below. In case of code or category omission as reported by the card processor, Signifyd will determine in its sole discretion the eligibility of a submitted transaction for coverage under the Guaranteed Fraud Protection.
Eligible Reason Codes and Categories
|Transaction not recognized||N/A||63||N/A||AA, 4752|
|Fraud (Card Not Present) / No cardholder authorization||10.4, 10.5||37||FR2, F24, F29||UA02, 7030|
|Braintree||Fraud, Not Recognized|
|PayPal||Claim - Unauthorized, Chargeback - Unauthorized/Fraud|
|Adyen||Other Fraud-Card Absent Environment, No Cardholder Authorisation, Card Not Present Fraud, Cardholder Does Not Recognise - Potential Fraud, Disputed Transactions (Reason Code-45)|
|Shopify||Fraudulent, Not Recognized|
Ineligible Chargeback Reason Codes
Chargebacks received as the result of processing error and/or buyer-seller disputes are classified as non-fraudulent/authorized purchases and therefore not eligible for Guaranteed Fraud Protection. These types of chargebacks are typically prevented through best practices, may be challenged and won by the merchant, or covered through Signifyd’s extended protection.
Ineligible Reason Codes and Categories
|Item not received*||13.1||55||C08||RG, 4755|
|Item not as described or defective merchandise||13.3||53||C09, C31, C32||RM, 4553|
|Credit not processed||13.6||60||C01-C07|
|Declined authorization/Authorization not obtained||11.2||4808||A02||4752, 4754|
|Braintree||Item not received*, Significantly not as described, General|
|Stripe||Product not received*, Product unacceptable, Credit not processed, Duplicate, Subscription cancelled, General|
|PayPal||Item not received*, Significantly not as described, Credit not processed|
|Shopify||Product not received*, Product unacceptable, Duplicate, General|