Reason Code F24 – No Cardmember Authorization

Your chargeback response must include at least one of the following items:

• If you believe the cardholder did participate in the purchase, provide a valid authorization as evidence.
• If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.

• Consider using fraud detection tools such as CID and Address Verification Service (AVS).
• Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting an authorized transaction.
• Use a billing descriptor that is easily recognized by the cardholder.
• Always submit an authorization request, no matter the transaction amount.
• Create an electronic or manual imprint for every card-present transaction.
• Use fallback options—like manually entering transaction data—as a last resort.
• Only use EMV-compliant terminals.
• Always use the correct cardholder verification method—signature, PIN, etc.