Debit Card Dilemma

exel1966

savagej wrote: »

Yes I totally agree Maestro is a brand for Mastercard debit, with very very little consumer protection, I agree.

But what about a chargeback on a Mastercard prepaid card, how does that work.

How is it going to work when Maestro disappears soon, isssued in the UK, to be replaced by Mastercard Debit, google it and look at the images, no Maestro in sight.

In affect you have still not reading Mastercard's rules on accepting cards and processing chargebacks the merchant has no matter where the card came from as long as it was a Mastercard.

A Maestro card is not a Mastercard it is a debit card issued by Mastercard as you clearly pointed out, this is not the same as a Mastercard Debit card which is a different beast altogether.

The possible reasons for a chargeback on a Maestro card are in appendix B, but Cashplus, Caxton, Fair FX, etc. etc. are Mastercards not Maestro cards and are subject to a different set of rules. How do people get chargebacks on these???

You wont know until you read the Mastercard document, not its subset the Maestro card document. I am not confused, please read it then come back and point on the paragraph and page that back up your arguement about Mastercards, not Maestro Cards.

James

http://www.mycashplus.co.uk/landing/c495/?pc=MSM502

You'll see clearly on their front page that they are -

" The ONLY pre-paid card offering purchase protection"

You need to realise that hundreds of cards have the MASTERCARD name on them, but that is only because they have purchased a licience to use that name. They are not owned by MASTERCARD.

savagej

Have you read any of Mastercards acceptance and chargeback policy.

APS are not being nice, they are charging back. They are using the rules I am trying to point you to but you appear relucant to look at. Is this because you maybe wrong and you cannot bring youself to admit it. Try something easier, Goggle, "Mastercard chargebacks" and read peoples stories.

Do you honestly beleive that the biggest rival to Visa has no similar chargeback policy, remembering that Maestro is not a Mastercard.

Alex_LS

savagej wrote: »

Do you honestly beleive that the biggest rival to Visa has no similar chargeback policy, remembering that Maestro is not a Mastercard.

How many times? Maestro is a MasterCard brand. The very style of logo makes that quite clear. It is owned by MasterCard and it is used as the current MasterCard debit platform in the UK. It is not a MasterCard Credit product, it is not a MasterCard Debit product. It is a MasterCard debit product. Issuers must be MasterCard members and receive approval from MasterCard to issue it.

To answer a previous question, my 'qualifications' are 10 years' technical experience in the payment industry, in the terminal and card supply area.

savagej

If you wish to live in ignorance then so be it, either read the document or read the cut and paste from below (the matter I am addressing relates to Mastercard Credit, Mastercard Prepaid and Mastercard Debit when it become available later this year". If you wish to discuss Maestro Chargebacks they are in appendix B of the link I posted earlier.

Cheers


James

Chargeback Message Reason Codes

Summary of Processing Requirements
December 2006

Chargeback Reason Code
Documentation
Required
Retrieval
Request
Required
Time
Frame
Section
No.

4801 Requested Transaction Data Not Received Sometimes Yes 60 3.3
4802 Requested/Required Item Illegible or Missing No Yes 60 3.4
4807 Warning Bulletin File No No 45 3.5
4808 Requested/Required Authorization Not Obtained No No 45 3.6
4812 Account Number Not on File No No 45 3.7
4831 Transaction Amount Differs Yes No 120 3.8
4834 Duplicate Processing No No 120 3.9
4835 Card Not Valid or Expired Sometimes No 120 3.10
4837 No Cardholder Authorization Yes No 120 3.11
4840 Fraudulent Processing of Transactions Yes No 120 3.12
4841 Canceled Recurring Transaction Sometimes No 120 3.13
4842 Late Presentment No No 120 3.14
4846 Correct Transaction Currency Code Not Provided Sometimes No 120 3.15
4847 Requested/Required Authorization Not Obtained and Fraudulent
Transaction
Yes No 120 3.16
4849 Questionable Merchant Activity No No 120 3.17
4850 Credit Posted as a Purchase No No 120 3.18
4853 Cardholder Dispute.Defective/Not as Described Yes No 120 3.19
4854 Cardholder Dispute.Not Elsewhere Classified (U.S. Region Only) Yes No 120 3.20
4855 Nonreceipt of Merchandise Yes No 120 3.21
4857 Card-Activated Telephone Transaction Sometimes No 120 3.22
4859 Services Not Rendered1 Yes No 1201 3.23
4860 Credit Not Processed Yes No 120 3.24
4862 Counterfeit Transaction Magnetic Stripe POS Fraud Yes No 120 3.25
4863 Cardholder Does Not Recognize.Potential Fraud Sometimes No 120 3.26

1 4859 Services Not Rendered .RS. Reasons:
RS 1 = Services not provided
RS 2 = Payment by other means
RS 3 = ATM dispute
RS 4 = Airline flight not provided
RS 5 = Guaranteed no-show:
NS 1 Has cancellation number
NS 2 No cancellation number
NS 3 Used accommodations
NS 4 Alternate accommodations provided
NS 5 Different rate debited
NS 6 Not advised of no-show
NS 7 Not authorized
RS 6 = Payment Transaction
RS 7 = Addendum Dispute
©2006 MasterCard December 2006

First Chargeback: MTI 1442

Function Code 450 (Full) / 453 (Partial)

Second Presentment: MTI 1240

Function Code 205 (Full) / 282 (Partial)

Technical Return:

2001 Invalid Acquirer Reference Data; documentation was received or was not required
2004 Invalid Acquirer Reference Data on chargeback; documentation was received

Documentation Return:

2002 Nonreceipt of required documentation to support chargeback
2709 Documentation received was illegible
2710 Documentation received was invalid/incomplete

Substance Return

2003 Correct transaction date provided
2005 Correct merchant location/description provided
2008 Issuer authorized transaction
2011 Credit previously issued
2700 Chargeback remedied. See corresponding documentation.
2701 Duplicate Chargeback
2702 Past Chargeback Time Limit
2703 Requested transaction document provided (requires hardship variance)
2704 Invalid member message text (Data Record)
2705 Correct MCC provided
2706 Authorization advised suspicious
2707 No authorization request required or attempted
2708 Account was not listed on the applicable Warning Bulletin as of the transaction date
2713 Invalid Chargeback

Arbitration Chargeback: MTI 1442

Function Code: 451 (Full); 454 (Partial)

Substance Return

Please note these additional arbitration chargeback IPM Message Reason Codes.

Documentation Return

4901 Required documentation not received to support previous Second Presentment/1240.
4902 Documentation received was illegible.
4903 Documentation received was invalid/incomplete.
4904 Reserved

Technical Return

4905 Invalid Acquirer Reference Data on Second Presentment/1240 (required documentation)
Must be used when Message 2001 is received from the acquirer
4908 Invalid Acquirer Reference Data on Second Presentment/1240 (required documentation)
Must be used when Message 2004 is received from the acquirer

Chargeback Guide

December 2006

Revised 16

savagej

bump Maestro card is issued by Mastercard, but it is not a Mastercard persay.

In the UK, we currently have Mastercard Credit Card and Prepaid cards and they all offer the same full protection as Visa does under its Chargeback Scheme and we are about to get Mastercard Debit Carrd issued by the Clysedale bank, which is not the same thing as a a Maestro card debit card issued by Mastercard. The new Mastercard debit card that is already very popular around the world again has the same protection as an Visa Card.

Hope this helps

savagej

I wonder when Alex LS will finallly rely.

never-in-doubt

savagej wrote: »

I wonder when Alex LS will finallly rely.

Alex wasn't the OP was he? I thought it was dracula lol :rolleyes: