The EMV Liability Shift and Chargebacks. Chip liability shift chargebacks are expected to gradually decrease as merchants and issuers successfully migrate closer to 100 percent use of EMV technology. Equally, U. Once filed, the merchant generally has 20 days to respond to the. Chargeback Reason. “CVV2” refers to the fact that it is the second-form deployment of CVV (card verification value) technology. 11. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Write customer-friendly policies. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Chargeback reason codes (MasterCard only): 4870 Counterfeit. [1]. 54 - Expired Card. When a transaction is declined, the specific code provides information about the reason for the decline. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. American Express encourages merchants to upgrade to EMV or chip-enabled POS. com. S. Their use has been declining since EMV mandates went live in the US, but in 2022, researchers observed a sudden spike in skimmer-related scams. You can retry the transaction up to two times within 30 days of the original authorization date. For merchant service providers,. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Feel free to submit topic suggestions, questions or requests for advice to: win@chargebackgurus. 103. A new 4 byte reason code will be used moving forward. The transaction utilized the EMV chip, the acquirer did not send the full set of EMV chip data to Visa when authorization was. To avoid this, never use the magnetic stripe on a card with an EMV chip. The most comprehensive guide to chargeback reason codes. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. What if the terminal cannot read the chip on a card? 9. You can also view your latest chargebacks. e. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 2 EMV Liability Shift Non-Counterfeit Fraud; 10. France saw a drop of roughly 50% during the same period. 3. Get Reasoning Cipher Cheat Shelf. 1. 2 EMV Liability Shift Non-Counterfeit Fraud; 10. 70 chargebacks can't usually be fought, but if the merchant provides proof that the transaction was initiated with an EMV chip and offline authorization was obtained, the chargeback may be. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. Reason code 4870 – Chip Liability Shift; 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 chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. This refers to the software program that controls the operating system and critical functions of the contactless payment terminal. This includes transactions where an available EMV chip was not used for authorization, where stolen payment card credentials were used in a. Contactless payment fraud can refer to any attempt to gain cardholder account. 81 - Fraudulent Transaction: Card Present Environment. Q. Among some of the most common Visa chargeback reason codes are Fraudulent Processing of Transactions (Reason Code 4837), Invalid Data (Reason Code 4775), Credit Not Processed (Reason Code 4834), and Goods/Services Not Provided (Reason Code 4863). ”. Chargeback reason codes; Chargeback Reason Codes. Thanks for following the Chargeback Gurus blog. Reason Code Reason. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. AT Authorization Noncompliance. transactions with a CPD before 1 October 2017. EMV Counterfeit: M01: Chargeback Authorization: P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit:. Euro MasterCard Visa (EMV) uses chip card based technology. When a customer presents their payment card to make a transaction, the terminal reads the card. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 3 Other Fraud: Card-Present Environment / Condition; 10. These provide additional details about the chargeback, which may be industry-specific. S. 3 Fraud – Card-Present Environment. The terminal action codes are in Table 122 of the 4. Of course, these safeguards were easy to defeat if you had a stolen card. About Visa chargeback reason codes. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. Like other chargebacks, claims that EMV transactions were counterfeit can be. Reason Code Reason Description; 45:. 57 - Transaction Not Permitted to Cardholder. 2 – Declined Authorization. The following chargeback reason codes are related to EMV: Visa: 10. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardHere are some tips on how to prevent MasterCard Reason Code 4870 chargebacks: 1. 3 Other Fraud – Card Present Environment 83(1) 10. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. All chargebacks come with a reason code that gives the cardholder’s justification for disputing the transaction, and the merchant's evidence must directly address that claim. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Steps to Prevention. Click on the categories below to view the American Express chargeback reason codes and access tips to help manage each one. from issuer eCommerce fraud-related chargeback claims (chargeback reason codes 75 and 83) -- market-specific program exceptions may apply. 11. Currently chargebacks for fallback transactions can be raised for counterfeit EMV card fraud transactions in Dispute Management System (DMS) under the reason code 'Counterfeit EMV Card Fraud'. They do this to prevent fraudulent and reckless merchants from abusing the system and causing consumers to lose confidence in the safety of. If the merchant can provide documentation that the EMV chip was read—and that all of that data was transmitted to Visa—a reversal may be possible. Describes Visa's categorical chargeback codes, including temporary mapping instructions for merchants transitioning from Visa's legacy codes to the new codes, issued by Visa in April, 2018. 1 Category Fraud Workflow Allocation DESCRIPTION Why did I receive this dispute? The cardholder has a chip card and someone made a counterfeit copy of it. This claim strongly suggests that the merchant processed a stolen card on a payment. ”. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. ; Help Center Find answers to common questions about Midigator’s technology,. 9 percent chargeback ratio. When EMV 3DS authentication is applied to a CNP transaction and that transaction results in a chargeback reason code related to fraud, the liability is shifted from the10. The major card networks task their acquiring banks with monitoring chargeback-to-transaction ratios and establishing thresholds for “excessive” chargeback activity, often no higher than 1%. 1 EMV Liability Shift Counterfeit Fraud 81 (1) 10. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. 65%, Visa asks the merchant and their. pdf - Free download as PDF File (. If you receive a chargeback, it is imperative to review the provided reason code so you can take actionable steps to avoid future chargebacks, especially for the same reason. P05 – Incorrect Charge Amount. Signifyd’s Revenue 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. Provide exemplary customer service. How can merchants prevent code 73 chargebacks?. 1 – EMV Liability Shift Counterfeit Fraud: 120 days. To make things easier, Chargebacks911® has created these convenient “cheat sheet” references. UA05 Fraud – Chip Counterfeit Transaction. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Following that, merchants have 30-45 days to respond to the chargeback, again depending on network and reason code. Each of the major card networks—American Express, Discover, MasterCard, and Visa—has its own specific. Merchants must have a process in place to respond to these requests in a timely fashion. Code. 4:. Sunday, November 23, 2014 If your business accepts credit or debit cards, you already know the unfortunate truth – chargebacks happen. UA01 Fraud – Card Present Transaction. American Express Chargebacks / Disputes. Visa chargeback reason code 75 is filed as an honest mistake. 1: EMV Liability Shift Counterfeit fraud; Visa Chargeback Code Condition 10. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Some payment service providers like PayPal and Stripe have their own reason codes as well. J. Typically, a fraudster clones a credit card by using a skimmer device or by copying stolen credentials purchased on the dark web. 1 Category Fraud. Discover the latest Visa chargeback codes for 2023. It is likely that card “shimmers,” or EMV skimmers, were involved in most of these reported scams. 1 – Card Recovery Bulletin 11 . 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. The terminal was not EMV compliant. 60. Please see the below “cheat sheet” for the new 4 byte reason codes. Region Only) 4855 Goods or Services Not Provided. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. Excessive – allows 1,000 chargebacks and a 1. EMV is a registered trademark in the U. Use standard authorization criteria with Issuer - not eligible for chargebacks: 1: CAVV failed verification (authentication) - Issuer approves authorization:. Standard – allows 100 chargebacks and a 0. For compliant solutions that can be used standalone or integrated,. 3. Chargeback reason codes are a set of numbers and letters indicating why a customer is requesting a refund for a purchase. Updated over a week ago. Some card networks will include “transaction modifiers” with the reason code. EMV Liability Shift Counterfeit Fraud. 4841 Canceled Recurring or Digital Goods Transactions. Speakers from MasterCard, Vantiv, Visa, Woodforest National Bank Princeton Junction, N. It was originally just one facet. It can also occur when a merchant sends an authorization request for a magnetic stripe or EMV chip transaction on a counterfeit card,. The most comprehensive guide to chargeback reason codes. 11. Use correct verification methods – signature and PINs. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof your POS device can support chip card transactions. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. 4812 Account Number Not On File. Always use the correct cardholder verification method—signature, PIN, etc. EMV compliance is an industry standard, but there is no law in the United States that requires businesses to be EMV compliant. 2 — EMV Liability Shift Non-Counterfeit Fraud; Mastercard Chargeback Reason Code. A08 Authorization Approval Expired. What is a chargeback. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. , August 2, 2016 – With the U. This becomes less likely as consumers achieve greater awareness of the dangers of online fraud and encounter. Proof that the transaction was initiated with an EMV chip and authorized offline. 10. It’s designed to help reduce. This reason code is not supposed to be used for contactless payments, digital wallet payments, or charges that qualify for the “No PIN” program. A chargeback reason code is a numerical code that indicates the reason why a customer has disputed a charge on their statement. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Your actions in response to such a chargeback will be determined by the particular circumstances, as listed in the table below: If:. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. 1 falls under the “Fraud” category. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or. Some of these reason codes are specifically designated to apply to authorization-related issues. instagram. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. The Visa 10. About Discover chargeback reason codes. Learn which strategies to use as you fight and prevent consumer disputes by reason code. Technically that’s true; the chip itself cannot be cloned. 10 . 1. What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. Midigator has created a database of reason codes. Counterfeit liability shift likely chargeback outcome table Goods / Services Damaged or Defective. If you do choose to dispute these chargebacks, you are putting yourself at risk of incurring additional fees: Reason code. Additionally, Amex uses a fifth "Miscellaneous" category. S. 4870: EMV Liability Shift. M01 Chargeback Authorization. UA02 Fraud – Card Not Present Transaction. and the implementation of payment network counterfeit and lost/stolen fraud liability shifts, chargeback reason codes were established for (1) counterfeit, and (2) lost/stolen EMV chip card transactions covered by those chip liability shifts. The data is tokenized, meaning that substitute, one-time-use data is transmitted in place of the valid card information. We say the given reason because it may or may not reflect the true reason. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. EMV 3DS - EMV 3DS is based on a three-domain model for the purpose of authenticating a cardholder during an electronic commerce (e. S. Learn about the different chargeback reason codes and what they mean. More reason code information is available on the American Express and MasterCard chargeback reason codes pages. 2 Declined Authorization. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Credit card companies use chargeback codes to classify the reason for a disputed transaction. The EMV Contactless Kernel Specification lays out the technical requirements for contactless EMV-compatible software kernels. 2 – EMV Liability Shift Non-Counterfeit Fraud: 120 days. Here are a few high-level examples. The new reason codes follow a format of two digits, a period, then a third digit. The terminal action codes are in Table 122 of the 4. 51 - Insufficient Funds. Other Fraud — Card Absent Environment. Chargeback Reason Keys over Network - 2023 Tour. It is subject to change and may not include every currently known dispute reason code. FR2 Fraud Full Recourse Program. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable Transaction is not eligible for Reason Code 75 or 83: 9List and additional information about all reason codes by card brand. Fraud. 4 In connection with the migration to EMV in the U. Thus, the easiest way to prevent chargeback reason code 75 from being filed is. Reason Code Reason Description; 10. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 05. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason Code Reason Description; 10. A CVV2 code is a 3-digit code located on the back of a Visa credit, debit, or prepaid card. Therefore, as a merchant, you need to be careful when and how to initiate a chargeback dispute. American Express Chargebacks / Disputes. George goes to an ice cream place and orders bars for all his friends. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Description. 10. This makes purchases with chip cards much safer than magnetic stripe purchases. The VFMP and the VDMP each have three categories: standard, high-risk, and excessive. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Set Up Custom Reason Codes; Video Tutorial Library; How to Set Up Fraud Alerts in Kount Command;Princeton Junction, N. While the format of chargeback reason codes. 2 falls under the “Fraud” category. J. facebook. 5. ; Resources. and the implementation of payment network counterfeit and lost/stolen fraud liability shifts, chargeback reason codes were established for (1) counterfeit, and (2) lost/stolen EMV chip card transactions covered by those chip liability shifts (CLS) ( “ LS chargebacks”). Fraud. Chargeback. reason code information. S. 10. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. Why did I receive this dispute? The cardholder has a PIN-preferring chip card, but you didn’t use a chip-reading device to process the transaction or used a chip-reading device that wasn. 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. Mastercard Chargeback Reason Code 71: Disputed Amount. 6. Visa chargeback reason code 10. Once filed, the merchant generally has 20. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. M49 Vehicle Rental – Theft or Loss of Use. Category. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. until 1 October 2017. They are provided to the. until 1 October 2017. , August 17, 2016 –Issuers, acquirers and merchants looking to fully understand new types of EMV-related chargeback reason codes that have been established for both counterfeit and lost/stolen fraud can get answers to their questions. Changes to Chargeback Reason Codes The current list of 22 Visa chargeback reason codes will be replaced with new values and grouped into four new. 1 – EMV Liability Shift Counterfeit Fraud Dispute Code 10. Merchant service providers—the vendors who provide web hosting, e-commerce software, anti-fraud tools, and chargeback management—must also maintain PCI DSS compliance, or the merchants who use their services may be liable for data breaches regardless of their own compliance status. 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. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. F02. With the U. Get proper authorization and manual or electronic imprint for each card present transaction. 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. October 15th of 2021 marked the six-year anniversary of EMV implementation in the US, as well as the fraud liability shift which encouraged it. None, although there is a $0. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. issuers must not initiate chargebacks for any AFD or ATM transactions outside the U. is not 100 percent chip-enabled has brought up many questions about new chargeback reason codes, when to charge back, if a chargeback is valid, and how to mitigate. 10. Authorization Reason Codes. S. However, when a reason code is used there is generally a surge in consumer retrieval. The main thing to understand about chargeback liability with EMV is that the regulations now spread responsibility more evenly between merchants and card issuers. 2022 Visa Chargeback. Evidence for Dispute Responses When Under VFMP. The EMV liability shift began in October 2015 in. , Aug. “The fact that the U. EMV Liability Shift Non-Counterfeit Fraud. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. 10. The codes for each card brand are listed below along with the recommended documentation to provide. is not 100 percent chip enabled in terms of cards and acceptance terminals. that the transaction was either approved online by the issuer or offline by the chip. Step 2: Make sure the terminal or system is properly configured for EMV acceptance. Reason codes also signal to the network different aspects of the chargeback that might place. Yes, card skimming is still a concern. The terminal was not EMV compliant. Q. What causes code F31 chargebacks? This reason code is supposed to be used only when an EMV chip card has been stolen by a fraudster, and a card-present merchant uses the magnetic stripe or a manual. R13 No Reply. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Visa, for example, has reason codes: 11. 1 EMV Liability Shift 10. , August 2, 2016 – With the U. 4 - Incorrect. 3 – Other Fraud. Reason codes often change or are removed by the card brands. Visa also overhauled its system of chargeback reason codes. Once filed, the merchant generally has 20. 6). If using any other currency than this, it should be equivalent to the specified amount. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Reason code 12. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. American Express chargeback reason code F30 falls under the “Fraud” category. 3 Other Fraud - Card Present Environment;. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. 4 – Other Fraud-Card Absent Environment 10 . The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Chargebacks for card-present transactions have jumped by 50% since the Oct. • The Track 2 data, including the primary account number (PAN), service code, expiration date, and card security code, is captured from the magnetic stripe and sent “as is” (i. Reason code 1120 (Decline Authorization) and 1130 (No Authorization) –Issuers may initiate chargebacks when proper authorization has not been obtained for credit returns; Reason Codes 1010 (EMV Liability Shift Counterfeit Fraud) and 1030 (Other Fraud –Card Present Environment) –Visa will allow acquirers to provide additional types. EMV service code must be 2XX or 6XX – if a value of 1XX has been authorized then this chargeback code could not be applied as the issuer has authorized a magnetic stripe transaction. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Obtain your complete guide toward and new Visa reason codes, including all the detailed information, chargeback type limits, and other important informations you necessity. 11. Fraud Reason Codes Current Reason Code New VCR Reason Code 62(2) 10. 4846. P07 – Late Submission. Is there a difference between chip-PIN and chip-signature transactions?. 1: EMV Liability Shift Counterfeit Fraud: The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The cardholder claims to not have been involved in a transaction that was processed using an EMV/chip terminal. Responses to retrieval requests that are over 4 pages will. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. • 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. J. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. transactions with a CPD before 1 October 2017. Understanding these reason codes can help you identify the cause of the chargeback and take steps to prevent it from happening again in the future. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. Instead of storing information on magnetic stripe card. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. What is Mastercard chargeback reason code 4812? Mastercard chargeback reason code 4812 falls under the “Authorization” category. 13. Use EMV PIN compliant terminals. Visa Claims Resolution (VCR) is the new VISA only chargeback resolution process. Use EMV-Compliant Equipment. . When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The most comprehensive guide to chargeback reason codes. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. message. It was originally just one facet of legacy reason code 81. 3 – Other Fraud-Card Present Environment 10 . migration to EMV chip payments and accompanying fraud liability shifts, new types of chargeback reason codes have been established for both counterfeit and lost/stolen fraud that issuers, acquirers and merchants need to fully understand. Time LimitA force majeure clause releases both parties from their obligations when some powerful, unforeseen occurrence prevents the terms of the contract from being fulfilled. RuPay Card holder Dispute Chargeback Reason Codes: 1) Retrieval Request Reasons and Reason Codes. for certain fraud chargeback reason codes: Visa 10. Most commonly the payer is a consumer. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). 2 : Declined Authorization :. 02, 2016 (GLOBE NEWSWIRE) -- With the U. About Visa chargeback reason codes. Thanks for following the Chargeback Gurus blog. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Counterfeit liability shift likely chargeback outcome tableGoods / Services Damaged or Defective. If the merchant is not EMV-compliant, the liability for a fraudulent transaction shifts from the card issuer to the actual merchant. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 3 – Other Fraud-Card Present Environment 10 . Use this guide as a quick resource for Visa chargeback reasons at a glance. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Nevertheless, some merchants see cryptocurrency as safer and less volatile than a payment system that allows chargebacks. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Prior to the Visa 3-D Secure 2. 4846 — Incorrect Currency Code.