Call (844) NO-DISPUTESResponse Template for "EMV Liability Shift"
Chargeback Response
Dear Issuing Bank,
We are responding to the chargeback for transaction Transaction ID dated Transaction Date in the amount of Transaction Amount for cardholder Cardholder Name.
We respectfully dispute this EMV Liability Shift chargeback based on the following:
- The transaction was processed using Processing Method
- Our terminal EMV Status
- The cardholder Authentication
- We have Evidence Type as supporting evidence
Fallback Reason (Optional)
Additional Transaction Details (Optional)
Supporting Documentation Reference Numbers (Optional)
Based on the evidence provided, we request that this chargeback be reversed as we followed proper Compliance and the transaction was legitimate.
Thank you for your consideration.
Sincerely,
Your Name
Your Title
Company Name
The EMV liability change affected who ends up paying for fraud losses and it’s created a big headache for many business owners. What’s shocking is that 73% of merchants still have no idea when they’re actually protected from these disputes. Anyone who hasn’t upgraded to EMV chip readers since October 2015 is going to get stuck with the bill for counterfeit card fraud – even when the customer legitimately bought the item. It’s frustrating because you did everything right from a business standpoint, the customer got their product and you still lose the chargeback dispute because your equipment is outdated.
When merchants handle EMV liability change disputes poorly, it can seriously hurt their bottom line. Business owners who can’t show the proper paperwork for their EMV setup lose about 91% of these chargebacks and each loss averages around $190 per transaction. Merchants with chip readers still lose disputes when they can’t show that they used the technology correctly. Strong paperwork that proves you ran the EMV transaction properly can push your win rate above 70%. Repeated EMV-related chargebacks also send a red flag to your payment processors that you could be a security concern and you might wind up with higher processing fees or lose the account.
A well-organized EMV liability change template makes sure you collect all the technical evidence that processors want to see and walks you through how to document your terminal certifications, transaction certificates and all that cryptogram data proving the chip authentication actually happened. These templates also help you easily explain fallback situations – like when a chip card had to be swiped instead of inserted – along with the right authorization codes. They also help you stay on track with the exact evidence requirements for EMV disputes which are very different from the usual fraud chargeback cases.
This template includes dedicated sections for terminal compliance certificates, EMV transaction data fields and fallback transaction explanations that you won’t find in standard fraud templates. It handles the specific challenge in liability change cases where nobody is arguing about whether fraud happened while the only debate is over who should pay.