Eligible Chargeback Criteria

Capitalized terms used herein without a definition have the same meaning as the defined term in the Agreement.

Eligible Chargeback Reason Categories
Eligible Chargeback Reason Codes (by Signifyd Integrated Processor)
Exclusions to Eligible Chargebacks

Eligible Chargeback Reason Categories

In order for Signifyd to issue a Chargeback Credit for a Chargeback, such Chargeback must be in the Eligible Chargeback Reason Categories as follows:

Service	Eligible Chargeback Reason Categories (normalized) Normalized reason categories code standardize chargeback reason codes across different card networks
Guaranteed Fraud Protection	Fraud Transaction not recognized Fraud (Card Not Present) / No cardholder authorization
Guaranteed Fraud Protection and Chargeback Recovery	Fraud Transaction not recognized Fraud (Card Not Present) / No cardholder authorization
Complete Chargeback Protection	Fraud Transaction not recognized Fraud (Card Not Present) / No cardholder authorization Non-fraud Authorization Issues Canceled Merchandise Credit not processed Duplicate General Processing Issues Product unacceptable Product not received Subscription canceled Unrecognized

Eligible Chargeback Reason Codes (by Signifyd Integrated Processor)

In order for Signifyd to issue a Chargeback Credit for a Chargeback, such Chargeback must be in the Eligible Chargeback Reason Codes (by Signifyd Integrated Processor) as follows:

Signifyd Integrated Processor	Guaranteed Fraud Protection Guaranteed Fraud Protection and Chargeback Recovery	Complete Chargeback Protection
Braintree	Fraud, Not Recognized	Fraud, Not Recognized, Product Not Received, Significantly not as described, General
Stripe	Fraudulent, Unrecognized	Fraudulent, Unrecognized, Product Not Received, Product unacceptable, Credit not processed, Duplicate, Subscription canceled, General
PayPal	Chargeback - Unauthorized/Fraud	Chargeback - Unauthorized/Fraud, Item not received (chargeback), Significantly not as described, Credit not processed
Adyen	Other Fraud-Card Absent Environment, No Cardholder Authorization, Card Not Present Fraud, Cardholder Does Not Recognize - Potential Fraud, Disputed Transactions (Reason Code-45)	Other Fraud-Card Absent Environment, No Cardholder Authorisation, Card Not Present Fraud, Cardholder Does Not Recognise - Potential Fraud, Disputed Transactions (Reason Code-45), Merchandise/Services Not Received
Shopify	Fraudulent, Not Recognized	Fraudulent, Not Recognized, Product Not Received, Product unacceptable, Duplicate, General

Eligible Chargebacks Exclusions:

The following will not be considered an “Eligible Chargeback”:

Guaranteed Fraud Protection only: Chargebacks with reason codes ‘No response to Retrieval’ and ‘Request for support is ineligible/insufficient’ even if previously raised with an Eligible Chargeback Reason Category or Eligible Reason Codes.
Chargebacks resulting from transactions for airline or other travel pre-bookings where the Chargeback was filled during a bankruptcy of Subscriber or the 30-day period prior to a bankruptcy filing involving Subscriber.

Signifyd reserves the right to update its policies from time to time as necessary to reflect changes in business practices, legal requirements, or operational needs. Signifyd will use commercially reasonable efforts to provide notice to subscribers when such updates materially affect their rights or obligations under these policies.