Reason Code F29 – Card Not Present

If the disputed purchase was an airline transaction, your chargeback response must include at least one of the following:

• Proof that the cardholder or designated passenger participated in the flight (scanned boarding pass, flight manifest, etc.)
• Proof that frequent flyer miles were earned during the flight
• Proof that the flight was still available during bankruptcy proceedings
• Proof of additional purchases related to the original transaction (seat upgrades, baggage payments, in-flight purchases, etc.)

If your business has MCC 5815, 5816, 5817, or 5818, your chargeback response must include ALL of the following: 

• Description of the goods or services purchased
• Date and time the goods or services were purchased
• Date and time the goods or services were downloaded
• Customer name used for the account
• Proof you own the operating system for the electronic device used in the transaction
• Proof you used Address Verification Service (AVS) or the card security code (CID) to authenticate the card when the cardholder first linked it to the account

• Consider using fraud detection tools such as card security code (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 unauthorized transaction.
• Use a billing descriptor that is easily recognized by the cardholder.
• Always submit an authorization request, no matter the transaction amount.
• Make sure you differentiate between card-not-present and card-present transactions during clearing by noting internet, phone, or mail orders.