Addendum to NFS Operating and Settlement Guidelines (NFS-OSG) - JCB & UPI ATM Acquiring Version 1.1 Page 1 of 26
Document History Version Issue Date Author Reviewed by Approved by Revision History 1.0 Jan, 2017 Mr. Pankaj Samarth Mr. Gururaj Rao Mr. Ram Sundaresan Addendum to NFS-OSG - JCB & UPI ATM Acquiring 1.1 May, 2017 Mr. Pankaj Samarth Mr. Gururaj Rao Mr. Ram Sundaresan ATM Access fee related information is updated. Version 1.1 Page 2 of 26
Table of Contents Overview... 5 Compliance... 5 Transaction Type... 5 Bin Maintenance... 5 Acceptance of Cards... 5 Captured Cards... 5 Interchange and Switching Fee... 6 Arbitration fees... 6 Goods and Services Tax (GST)... 7 ATM Access Fee... 7 Clearing and Settlement... 8 1.11.1 Network & Transaction Cutover... 8 1.11.2 Settlement Reporting and Reconciliation... 8 1.11.3 Settlement Account and Currency... 9 1.11.4 Settlement Schedule... 9 JCB transaction Life Cycles and turnaround times... 10 JCB Retrieval Request and Response Reason codes... 11 JCB Chargeback Reason Codes... 12 1.14.1 RC 1068 - Cash not received... 12 1.14.2 RC 1084 - Duplicate Processing... 13 1.14.3 RC 1081 - Transaction not settled within the specified timeframes... 15 UPI Transaction Life Cycles... 17 UPI Turnaround Times... 17 1.16.1 Dispute Life Cycles and Turn-around Time (TAT) for UPI PIN-based Debit Card and Prepaid Card transactions:... 17 1.16.2 Turnaround Time for Credit Card /Signature-based Debit Card/Signature-based Prepaid Card transaction... 18 UPI Inquiry & Retrieval Reason Codes... 19 UPI Chargeback Reason codes... 20 1.18.1 RC 1065 - Cash not received... 21 1.18.2 RC 1071 Dispute on Debit Adjustment... 22 1.18.3 RC 1072 Fees Refund for Unsuccessful Balance Enquiry... 23 1.18.4 RC 1121 Transaction received Decline Authorization response... 24 Version 1.1 Page 3 of 26
ATM Transaction Receipt Requirement... 25 1.19.1 Data Retention... 26 EMV liability Shift for ATM Transactions... 26 Stand-In Functionalities... 26 ATM Maintenance Requirements... 26 Version 1.1 Page 4 of 26
Overview This section deals with acceptance of Japan Credit Bureau (JCBI) / Union Pay International (UPI) Cards at NFS ATM Network. The section specifies the requirements and rules for Daily Clearing, Settlement and Dispute Management of JCB/UPI Cards used at NFS ATM Locations in India. Compliance All members participating in the NFS Network are expected to comply with the guidelines as mentioned in this section and also with the guidelines issued from time to time in addition to the provisions specified in the NFS Operating and Settlement Guidelines (NFS - OSG). Transaction Type The below mentioned transaction types will be supported in NFS network for JCB/UPI cards: 1. Cash Withdrawal 2. Balance Enquiry Bin Maintenance It is mandatory on the part of all Acquirers to update JCB and UPI BINs in their BIN table / system within Five (05) working days from the date of receiving the updated version of the BIN list from NPCI. This BIN table shall be used by the Acquirers to route transactions to the NFS switch which will, in turn, route the transactions to the JCB/UPI switch and eventually to the appropriate issuers. The Acquirers who are not in a position to do this BIN maintenance due to any reason must inform NPCI in writing within 5 days of getting the updated BIN list. Acceptance of Cards It is obligatory on the part of the Acquiring Members to treat JCB / UPI cards as any other NFS card so long as they continue to be members of the NFS Network and hence the banks should ensure that these cards are accepted at all ATMs participating in the NFS Network. Captured Cards Under no circumstances should the ATMs participating in the NFS network capture the cards belonging to JCB / UPI Network, unless specifically informed by NFS or legally required to do so. However, this is not applicable in case of ATM malfunctioning or cards left in the ATM machine by the customer after the transaction is completed. Version 1.1 Page 5 of 26
The following points describe the approach that members need to adopt with respect to captured cards in case of ATM malfunctioning or cards left in the ATM by the customer after the transaction is completed: The acquiring member should not send the captured card to the issuing member. The captured card should be properly accounted for by the acquiring member and destroyed by cutting across the magnetic stripe vertically. As a best practice, the particulars including the reason for card capture should be communicated by Acquiring member to the Issuing Bank. The customer should be advised through receipt or message on the screen to contact the issuing member bank to report card captured by the ATMs. The issuing member, upon receiving information on card capture, should block the card and arrange to issue fresh card at the earliest. Interchange and Switching Fee The Interchange fees structure is given below which is subject to a periodic review by NPCI. Partner UPI Transaction Type Gross Interchange per approved transaction NPCI/Partner authorization fee (Charged to Acquirer) Net Interchange per approved transaction to Acquirer Financial $ 1.375 $ 0.225* $1.15 Non Financial $ 0.25 $ 0.135* $0.12 N.A. JCB Financial $ 2.25 $ 0.10 $2.15 * Authorization fee of UPI and NPCI Access Fee Version 1.1 Page 6 of 26 As per current practice As per current practice The above fees are exclusive of all taxes and applicable to only approved transactions. Members and NPCI will be responsible for payment of applicable taxes on interchange and switching fees respectively. The interchange and switching fees in its INR value will depend on the exchange rates determined by JCB/UPI/NPCI. NPCI shall have the right to regulate the switching fees from time to time. Arbitration fees Arbitration fees with applicable GST are assessed as follows for both JCB and UPI transactions I. NPCI will charge arbitration initiation fee of USD 250 when NPCI member raises an arbitration. If the JCB issuer accept the acquirer claim then amount will be refunded back to NPCI member. II. NPCI will charge arbitration decision fee of USD 250 if NPCI acquiring member is determined to have financial responsibility for the transaction.
Goods and Services Tax (GST) The GST on interchange fee and switching fee will be the responsibility of the member and NPCI respectively. ATM Access Fee NPCI Acquiring member bank can charge an ATM access fee on Cash withdrawal transactions by JCB/UPI network cards under the following conditions: An Acquirer shall visibly display operating instructions and notice of access fee charges on the screens, and provide the option for Cardholders to continue or cancel the transaction. The notice of fees / charges shall be displayed in a clear manner. An Acquirer shall properly and separately send the ATM access fee in Field Data Element 28 in the online message. Access Fees levied for cash withdrawal transactions done by JCB/UPI card holders on Bank s ATMs. Access Fees details in DSR: A separate line item shall be made available in Daily Settlement Report (DSR) for JCB / UPI-C / UPI-D transactions and access fees levied by the bank. The DSR will have following description: Description for JCB ATM transactions in DSR: Acquirer WDL JCB Access Fee This will have access fee amount only. Acquirer WDL JCB Transaction Amount This will have transaction amount settled excluding access fee amount. Description for UPI ATM transactions in DSR: Acquirer WDL UPI Access Fee - This will have access fee amount only. Acquirer WDL UPI Transaction Amount - This will have transaction amount settled excluding access fee amount. The settlement report and raw data file format will remain same, however value in the transaction amount field shall contain transaction amount including the access fee amount. Access fee amount shall also be separately made available in another field in settlement report and raw data file. Version 1.1 Page 7 of 26
Details of raw data fields: Field Description Particulars Start positionend position Length ATTRN$ Transaction Amount TXN Amount + Access Fee 167-181 15 ATATR$ Actual Transaction Amount Dispensed Amount + Access Fee 182-196 15 ATTRFE Trans Activity Fee Access Fee only 197-211 15 ATASA$ Acquirer Settlement Amount Settled Amount + Access Fee 215-229 15 ATASF$ Acquirer Settlement Fee Access Fee only 230-244 15 The access fee will be displayed separately to the user during the transaction search and while raising disputes / adjustments in NFS-DMS. An Acquirer shall not discriminate JCB/UPI cards and apply an access fee greater than other standard Card Brand s cards. Clearing and Settlement 1. ATM transactions will be on SMS 0200 message for acquirers. 2. Business cutover will be at 23.00 Hours (NPCI switch cutover). 3. All approved transaction from previous day s 23:00 hrs to current day s 23:00 hrs shall be considered for settlement 4. Raw data files and settlement reports will be available in NFS Dispute Management System (DMS) for members on the next day (T+1). 5. Settlement entries shall be posted on T+1 day basis. For second and fourth Saturdays, Sundays and RTGS holidays, the settlement entries will be posted on the next working day. In case of any change, it shall be communicated to the members. 1.11.1 Network & Transaction Cutover NPCI reserves the right to decide the NFS Network cut over time, which at present is, 23.00 hours. 1.11.2 Settlement Reporting and Reconciliation NFS Member will have DMS access to download the settlement and reconciliation reports, and to raise disputes / adjustments. Raw data files, STL reports, adjustment reports, etc. shall be made available to member banks in DMS on T+1 day. Version 1.1 Page 8 of 26
Daily settlement report (DSR / NTSL) shall be made available on the day when settlement entries are posted. Separate line item shall be available in DSR for JCB / UPI-C / UPI-D transactions and access fee. Separate column shall be available in Adjustment report to indicate transaction type viz. JCB, UPI-C or UPI-D. There is separate dispute cycle for each of the transaction type (As given below). 1.11.3 Settlement Account and Currency The settlement of all JCB/UPI transactions will take place in the current account / settlement account maintained by member bank / Sponsor bank with Reserve Bank of India (RBI) and which is currently used for NFS Settlement. However, the settlement shall be done with separate product code for settlement of JCB/UPI card transaction on NFS ATM network. This will help member banks to identify the entries in their RBI settlement account. All the JCB/UPI ATM withdrawals / balance Enquiry done through NFS Network shall be settled in Indian Rupees only. However the Interchange and Switching Fees (which are in USD) will be converted in to INR using exchange rate applicable for respective schemes i.e. JCB/UPI scheme. The exchange rate will be communicated to members by NPCI in daily settlement report (DSR/NTSL). 1.11.4 Settlement Schedule Settlement will be executed for JCB transactions for six (6) days in a week which would be reckoned from Monday to Saturday. The business day shall be the working day for NPCI and RBI at Mumbai. Version 1.1 Page 9 of 26
JCB transaction Life Cycles and turnaround times JCB cards used at NFS Networks shall follow the below Life Cycles. TAT - CALENDAR DAYS LIFE CYCLES IN JCB INCOMING TO ACQUIRER OUTGOING TO ACQUIRER DEBIT ADJUSTMENT - FOR DEBIT CARD** NA 10 DEBIT ADJUSTMENT - FOR CREDIT CARD** NA 10 CREDIT ADJUSTMENT NA 360 RETRIEVAL REQUEST ORIGINAL/COPY 370 NA RETREIVAL FULFILMENT-ORIGINAL/COPY NA 25 RETRIEVAL RESPONSE NON FULFILMENT NA 25 CHARGEBACK* 125 NA TIME FRAME FOR PROVIDING CHARGEBACK SUPPORTING DOCUMENTS (Optional) 7 NA CHARGEBACK REVERSAL( IF REPRESENTMENT IS NOT RAISED) 50 NA REPRESENTMENT NA 40 TIME FRAME FOR REPRESENTMENT SUPPORTING DOCUMENTS NA 3 SECOND CHARGEBACK 50 NA SECOND CHARGEBACK REVERSAL( IF PRE-ARB IS NOT RAISED) 50 NA PRE-ARBITRATION NA 15 PRE- ARBITRATION RESPONSE- ACCEPTANCE 20 NA PRE- ARBITRATION RESPONSE- DECLINE 20 NA ARBITRATION NA 40 ARBITRATION RESPONSE (WITHDRAWAL OR ACCEPTANCE) 50 NA ARBITRATION CONTINUATION 50 NA ARBITRATION VERDICT 60 60 * JCB Issuer can raise multiple chargeback (9 times) on a single transaction by using different charge back reason code from earlier chargeback/s (Only after representment). NPCI acquiring member bank can either accept or represent the Chargeback as per the Dispute Reason codes. ** For Debit adjustment raised after time frame, acquirer shall bear the liability for chargeback raised by issuer under late presentment. Version 1.1 Page 10 of 26
JCB Retrieval Request and Response Reason codes JCB Issuer can raise Inquiry under below Reason codes. Reason Code Description 0000 Others 0001 Signature Confirmation 0002 Required for corporate card accounting 0003 Required for Legal/Regulatory issues 0004 Lost Card, Fraud Investigation 0005 Cardholder does not recognize the transaction 0006 Cardholder Claims incorrect amount or disputes amount NPCI acquirers need to fulfil the retrieval request providing correct EJ/ JP copy within the stipulated timeframe from the date it is informed by NPCI. NPCI acquirers can also non-fulfil the retrieval request under below reason codes. Reason Code 1041 Description Necessary Information missing for Retrieval Request raised 25 Days 1043 Acquiring institution will not fulfil 25 Days 1044 The request contains erroneous data 25 Days 1045 Transaction document lost 25 Days 1046 Cannot locate the depository of the transaction document 25 Days Version 1.1 Page 11 of 26
JCB Chargeback Reason Codes JCB issuer can raise Chargeback on ATM transactions under the below reason codes: 1.14.1 RC 1068 - Cash not received First Chargeback : Acquirer can receive Chargeback until 125 days from the transaction processing date. Card member did a transaction at an ATM but did not receive the requested amount only or received only a portion of the amount Message Text Cash not dispensed Amount for Retrieval Request Required Full amount in case no cash is dispensed. Partial amount not received in case of a partial dispense from ATM. Card member s dispute letter stating date and time, location, the amount of Transaction which was not dispensed NFS Acquirers may receive the supporting documentation within 7 days. This is an optional task at Issuer end. No Representment : Reason Code Message Text for Acquirers need to initiate representment within 40 days from First Chargeback 1. Issuing Institution did not meet the applicable Chargeback Condition 2. Acquirer has additional information to refute Issuer s claim 3. documentation provided is illegible/insufficient or not provided within timeframe 4. Reason code used in not applicable for the transaction 5. Credit or reversal was processed. 0601 - Additional Information 0602 - Chargeback Not Received or Incomplete 0603 - Chargeback Invalid 0604 Other NA For Condition 1, 2, 3 & 4, evidence that the First Chargeback is invalid. For Condition 5, actual posting date, and credit receipt if available Acquirers need to provide the supporting documentation within 3 days Note: Second Chargeback is not allowed for this reason code. Version 1.1 Page 12 of 26
1.14.2 RC 1084 - Duplicate Processing First Chargeback : Message Text Amount for Retrieval Request Required Acquirer can receive Chargeback till 125 days from the transaction processing date 1. One Acquirer processed the same Transaction more than once, or 2. Two acquirers or more processed the same transaction. The second or succeeding transaction needs to be Charge backed Message text must state the Acquirer Reference Number of the Duplicate transaction Full amount of the duplicate transaction For condition 1, ARD for each Transaction and, where relevant, a photocopy of the Card member s copy of the Sales Draft For condition 2, the first transaction receipt retrieved from the first Acquirer NFS Acquirer may receive the supporting documentation within 7 days Required for Condition No. 2 Representment : Acquirers need to initiate representment within 40 days from First Chargeback Reason Code Message Text for 1. Issuing Institution did not meet the applicable Chargeback Condition 2. Acquirer has additional information to refute Issuer s claim 3. documentation provided is illegible/insufficient or not provided within timeframe 4. Reason code used in not applicable for the transaction 5. Credit or reversal was processed. 0601 - Additional Information 0602 - Chargeback Not Received or Incomplete 0603 - Chargeback Invalid 0604 Other Acquirer must state the reason for representment For Condition 1, 2, 3 & 4, evidence that the First Chargeback is invalid. For Condition 5, actual posting date, and credit receipt if available NFS Acquirers need to provide the supporting documentation within 3 days Version 1.1 Page 13 of 26
Second Chargeback : Acquirer can receive Chargeback within 50 days from the representment date 1. Invalid representment raised by acquirer. 2. Additional information provided by Issuer to refute Acquirer s claim 3. documents provided for representment are insufficient or illegible or not provided within 3 days after the representment date. Amount Full transaction Amount 1. For condition 1, 3, 4, evidence that the Representment is invalid. 2. For condition 2, additional information. for NFS Acquirer may receive the supporting documentation within 7 days Note: Post second chargeback, NPCI acquiring member will need to follow pre-arbitration and arbitration life cycle. Version 1.1 Page 14 of 26
1.14.3 RC 1081 - Transaction not settled within the specified timeframes First Chargeback : Message Text Amount for Retrieval Request Required Acquirer can receive Chargeback till 125 days from the transaction processing date any transaction which is settled by the acquirer after 10 days from the transaction date Message text must state why the transaction is uncollectible Full transaction Amount NA NA No Representment : Acquirers need to initiate representment within 40 days from First Chargeback Reason Code Message Text for 1. Transaction settled within10 days from transaction date 2. Additional information provided by Acquirer to refute Issuer s claim 3.Issuing institution did not meet the applicable chargeback condition 4. Credit or reversal was processed. 0601 - Additional Information 0602 - Chargeback Not Received or Incomplete 0603 - Chargeback Invalid 0604 Other State the reason for Representment 1. Evidence that the First Chargeback is invalid. 2. Actual posting date, and credit receipt if available NFS Acquirers need to provide the supporting documentation within 3 days Version 1.1 Page 15 of 26
Second Chargeback : Acquirer can receive Chargeback within 50 days from the representment date 1. Invalid representment raised by acquirer. 2. Additional information provided by Issuer to refute Acquirer s claim 3. documents provided for representment are insufficient or illegible or not provided within 3 days after the representment date. Amount Full transaction Amount NA for NFS Acquirer may receive the supporting documentation within 7 days. This is an optional task at Issuer end. Retrieval Request No Required Note: Post second chargeback, NPCI acquiring member will need to follow pre-arbitration and arbitration life cycle. Version 1.1 Page 16 of 26
UPI Transaction Life Cycles UPI cards used at NFS Networks shall follow the below different set of Life Cycles which will be identified basis the Card Type marked against each Bin in Bin Management file. If the Card Type is marked as D then the transaction will follow Pin Based Life Cycle and if the Card Type is marked as C then the transaction will follow Signature Based Life Cycle. It is Mandatory for Acquirers to respond to Inquiry and Retrieval Request. Acquirers will lose their representment rights in case they do not respond to Inquiry or Retrieval Request raised by UPI issuers. In case of rule violations or no dispute rights available, UPI issuers can raise a Pre-compliance against Acquirers. UPI Turnaround Times 1.16.1 Dispute Life Cycles and Turn-around Time (TAT) for UPI PINbased Debit Card and Prepaid Card transactions: TAT - CALENDAR DAYS LIFE CYCLES IN UPI INCOMING TO ACQUIRER OUTGOING FROM ACCQUIRER First Inquiry 370 NA First Inquiry Response NA 7 Second Inquiry 370 NA Second Inquiry Response NA 3 Retrieval Request 370 NA Retrieval Request Fulfilment(w/o Inquiry) NA 25 Retrieval Request Fulfilment(after Inquiry) NA 10 Credit adjustment NA 175 Debit Adjustment* NA 15 Chargeback 185 NA Pre-Arbitration NA 25 Pre-Arbitration Accept 25 NA Pre-Arbitration Decline 25 NA Arbitration NA 55 Arbitration Withdraw NA 15 Arbitration Accept 25 NA Arbitration Continue 25 NA Arbitration Verdict 50 50 Version 1.1 Page 17 of 26
TAT - CALENDAR DAYS LIFE CYCLES IN UPI INCOMING TO ACQUIRER OUTGOING FROM ACCQUIRER For the below life cycles, NPCI will coordinate with its members thru e-mail for response / document and necessary fund adjustment if any, will reflect in DSR. Appeal on Arbitration Verdict 35 25 Response to Appeal 180 180 Good Faith 370 360 Good Faith Accept 370 360 Good Faith Decline 370 360 Pre-Compliance 95 85 Pre-Compliance Accept 25 15 Pre-Compliance Decline 25 15 Compliance 125 115 Compliance Withdrawal 25 15 Compliance Accept 25 15 Compliance Continue 25 15 Compliance Verdict 50 50 1.16.2 Turnaround Time for Credit Card /Signature-based Debit Card/Signature-based Prepaid Card transaction TAT - CALENDAR DAYS LIFE CYCLES IN UPI INCOMING TO ACQUIRER OUTGOING TO ACQUIRER First Inquiry 370 NA First Inquiry Response NA 7 Second Inquiry 370 NA Second Inquiry Response NA 3 Retrieval Request 370 NA Retrieval Request Fulfilment(w/o Inquiry) NA 25 Retrieval Request Fulfilment(after Inquiry) NA 10 Credit adjustment NA 175 Debit Adjustment* NA 15 Chargeback 185 NA Representment NA 25 Pre-Arbitration 35 NA Pre-Arbitration Accept NA 15 Pre-Arbitration Decline NA 15 Arbitration 65 NA Arbitration Withdraw 25 NA Version 1.1 Page 18 of 26
TAT - CALENDAR DAYS LIFE CYCLES IN UPI INCOMING TO ACQUIRER OUTGOING TO ACQUIRER Arbitration Accept NA 15 Arbitration Continue NA 15 Arbitration Verdict 50 50 For the below life cycles, NPCI will coordinate with its members thru e-mail for response / document and necessary fund adjustment if any, will reflect in DSR. Appeal on Arbitration Verdict 35 25 Response to Appeal 180 180 Good Faith 370 360 Good Faith Accept 370 360 Good Faith Decline 370 360 Pre-Compliance 95 85 Pre-Compliance Accept 25 15 Pre-Compliance Decline 25 15 Compliance 125 115 Compliance Withdrawal 25 15 Compliance Accept 25 15 Compliance Continue 25 15 Compliance Verdict 50 50 *Acquirer should bear the liability for dispute raised against debit adjustment UPI Inquiry & Retrieval Reason Codes UPI Issuer can raise Inquiry under below Reason codes. Reason Code Description Inquiry Time Frame 1021 ATM Location Inquiry by Card member 370 Days 1023 Transaction Result Inquiry by Card member 370 Days 1025 Second Inquiry 370 Days UPI Issuer can raise Retrieval Request under below Reason codes. Reason Code 1026 Description Transaction Receipt Request by Card member Directly Retrieval Time Frame 370 Days Version 1.1 Page 19 of 26
Reason Code 1027 Description Transaction Receipt Request by Card member after Responded Inquiry Retrieval Time Frame 370 Days 1004 Transaction Receipt Request by Justice 370 Days 1005 Transaction Receipt Request for Fraudulent Transactions 370 Days NPCI ATM acquiring member banks need to respond to Inquiry and retrieval request under the below reason codes. Failure to respond to Inquiry or Retrieval request will lead to Chargeback which cannot be represented against by NPCI acquiring member banks. Reason Code 1047 Description Successful Transaction, no surplus at Acquirer Inquiry Response If RR is raised after Inquiry If RR is Raised Directly 7 Days 10 Days 25 Days 1048 Credit Adjustment Processed 7 Days 10 Days 25 Days 1049 Credit Adjustment to be Processed 7 Days 10 Days 25 Days Note: It is mandatory for all NFS acquirers to fulfil any Inquiry or Retrieval Request raised by UPI issuers failing compliance may be raised against the NFS acquirers for Non-fulfilment. UPI Chargeback Reason codes Issuers have the right to return a disputed transaction as a Chargeback to NPCI. This will be subject to conditions such as: Timeframes for submitting the Chargeback applicable to chargeback right Whether (Electronic copy of the Transaction log etc.) is required It is mandatory for UPI issuer to raise Inquiry or Retrieval request prior to raising Chargeback (except for Balance inquiry transactions). NPCI will validate the Chargeback and then forward the information to the Acquirer as a part of its Settlement Process. On successful fulfilling of the Chargeback conditions, the dispute will be processed in favour of Issuer and against Acquirer. The Issuer is credited and Acquirer is debited for the amount of charged back transactions during Settlement. Chargeback can also be raised on Unsuccessful Balance Inquiry transactions also. UPI issuers can raise Chargeback under below reason codes for ATM transactions. Version 1.1 Page 20 of 26
1.18.1 RC 1065 - Cash not received First Chargeback : Acquirer can receive Chargeback until 185 days from the transaction processing date. Card member did a transaction at an ATM but did not receive the requested amount only received only a portion of the amount Message Text Amount Inquiry Required Retrieval Request Required Cash not dispensed Full amount in case no cash is dispensed Partial amount not received in case of a partial dispense from ATM Card member s dispute letter stating date and time, location, the amount of Transaction which was not dispensed Required for Pin Based Life Cycle Not required for Signature Based Life Cycle Required for Pin Based Life Cycle if Inquiry is not raised Not required for Signature Based Life Cycle Representment : Applicability Message Text Reason Code for Not allowed for Pin Based Life Cycle Allowed for Signature Based Life Cycle Note: If Acquirer does not respond to the Inquiry and Retrieval Request within time frame, it has no right of Representment. Acquirers need to initiate representment within 25 days from First Chargeback 1. Issuing Institution did not meet the applicable Chargeback Condition 2. Acquirer has additional information to refute Issuer s claim 3. documentation provided is illegible/insufficient or not provided within timeframe 4. Reason code used in not applicable for the transaction 5. Credit or reversal was processed. Successful Transaction. Cash dispensed to Customer 2000- Refund or Credit Adjustment Processed 2002- Non-Receipt of 2702- Invalid Chargeback 2706- Acquirer Can Prove That The Transaction Is Correct. 2707-Illegible for Chargeback NFS Acquirers need to provide the supporting documentation within 3 days Version 1.1 Page 21 of 26
1.18.2 RC 1071 Dispute on Debit Adjustment First Chargeback : Message Text Amount Inquiry Required Retrieval Request Required Acquirer can receive Chargeback until 185 days from the transaction processing date. Issuer can raise Chargeback under this reason code if cannot recover the debit adjustment amount raised by acquirer on account of customer account being closed. Account closed Full amount Not required Required for Pin Based Life Cycle Not required for Signature Based Life Cycle Required for Pin Based Life Cycle if Inquiry is not raised Not required for Signature Based Life Cycle Representment : Applicability Message Text Reason Code Not allowed for Pin Based Life Cycle Allowed for Signature Based Life Cycle Note: If Acquirer does not respond to the Inquiry and Retrieval Request within time frame, it has no right of Representment. Acquirers need to initiate representment within 25 days from First Chargeback 5. Credit or reversal was processed. Successful Transaction. Cash dispensed to Customer 2000 - Refund or Credit Adjustment Processed Acquirer should provide the date and system trace number of the refund Version 1.1 Page 22 of 26
1.18.3 RC 1072 Fees Refund for Unsuccessful Balance Enquiry First Chargeback : Message Text Amount Inquiry Required Retrieval Request Required Acquirer can receive Chargeback until 185 days from the transaction processing date. A cardholder conducted a balance inquiry transaction at ATM. The transaction is unsuccessful, but the balance inquiry fee is charged for the transaction. Unsuccessful balance Enquiry Amount should be equal to Balance Enquiry fee. Not required No No Representment : Applicability Representment is not allowed for this reason code Version 1.1 Page 23 of 26
1.18.4 RC 1121 Transaction received Decline Authorization response First Chargeback : Acquirers can receive Chargeback till 185 days from the transaction processing date An Acquirer does not obtain authorization, or the transaction amount is larger than the amount authorized. Below are the situations which are considered as Acquirer not obtaining an authorization; i. Acquirer does not submit an authorization request. ii. The Issuer does not response to the Acquirer s authorization request or declined the authorization request, iii. The Acquirer cancelled or reversed the authorization approved by the Issuer. If the total transaction amount is larger than the amount authorized, the Issuer can initiate a Chargeback toward the amount exceeded; Message Text Amount Inquiry & Retrieval Request Required This Reason Code is applicable to Debit Adjustment transactions and manually-imprinted transactions Declined Authorization Full transaction Amount Not Required Mandatory for PIN Based life Cycles. Not mandatory for Signature based life Cycles Representment : Acquirers need to initiate representment within 25 days from First Chargeback 1. Acquirer specifies that the First chargeback Violates requirements on rights and restrictions of using this Chargeback reason code 2. Transaction Authorized by Issuer. Message Text i. Invalid Chargeback ii. Transaction authorized Reason Code ( 2008- Transaction Authorized by Issuer Mandatory) 2702- Invalid Chargeback None Version 1.1 Page 24 of 26
ATM Transaction Receipt Requirement An ATM shall maintain Transaction Logs for successful and unsuccessful transactions. An ATM shall provide an option for printing receipts for cash withdrawal transactions. If the printing option is not available on an ATM, or a card is captured, the default setting shall be the automatic printing of receipts. The receipt shall specify the transaction result or the reason for a decline. In accordance with the requirements by the local regulator, four or more digits of the card number preceding the Check Digit on an ATM Transaction Receipt should be truncated Data Details Mandatory/Non- Mandatory Card Number At least last four digits of Mandatory card account number should be clearly visible. The remaining digits of card account number could be masked. No over writing is allowed. Transaction Date Date of transaction Mandatory should be clearly visible on receipt No over writing is allowed Transaction Time Transaction Time should Mandatory be clearly visible. No over writing is allowed Transaction Type Transaction Type should Optional be clearly visible on charge slip copy No over writing is allowed Response Code Response code should be Optional clearly visible on charge slip copy No over writing is allowed Retrieval Reference last 6 digit of RRN or ATM Mandatory Number transaction number Transaction Amount( Total transaction amount Mandatory Amount disbursed) should be clearly visible Terminal ID (TID) Terminal ID (TID) should be clearly visible Mandatory Version 1.1 Page 25 of 26
1.19.1 Data Retention An Acquirer shall ensure that transaction receipts, including paper records or digitised record, electronic receipts and systematic transaction data (including successful and unsuccessful transactions), are kept for at least one period of 13 months from the transaction date. The related data backup system or disk shall hold the last 5 years transaction data. However, bank may follow internal practice after 5 years to keep the data. NPCI will keep transaction data by default for 13 months in its online system for member access. EMV liability Shift for ATM Transactions Liability shift is currently not applicable for ATM transactions. Any transactions disputed as fraudulent by cardholder will be Issuer Liability. Stand-In Functionalities NPCI will not support Stand-In functionalities for this arrangement. ATM Maintenance Requirements NPCI Acquirers shall regularly maintain ATM terminals and ensure that the ATM is in good condition and capable of processing JCB/UPI Card transactions. Version 1.1 Page 26 of 26