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In an effort to increase the number of "Small Ticket" and "Quick Service" Merchants, Visa and MasterCard have increased the "No Signature Required" Program to include several more types.
VisaTransactions that meet the following characteristics will qualify for chargeback protection under reason codes 60 (Requested Copy Illegible or Invalid), 79 (Requested Transaction Information Not Received), and 81 (Fraudulent Transaction – Card Present Environment) - U.S.A. Domestic Transactions
- Transaction qualified at one of the following CPS Interchange Programs:
- CPS Retail
- CPS Restaurant
- CPS Retail Service Station
- CPS Supermarket
- Transaction amount $24.99 or less
Must be one of the following Merchant Types: | MCC Code | Description | MCC Code | Description | | 4111 | Local and Suburban Commuter Passenger Transportation, including Ferries | 5814 | Fast Food Restaurants | | 4121 | Taxicabs and Limousines | 5912 | Drug Stores and Pharmacies | | 4131 | Bus Lines | 5942 | Book Stores | | 4784 | Toll and Bridge Fees | 5947 | Gift, Card, Novelty and Souvenir Shops | | 5251 | Hardware Stores | 5994 | News Dealers and Newsstands | | 5331 | Variety Stores | 7211 | Laundry Services-Family and Commercial | | 5411 | Grocery Stores and Supermarkets | 7216 | Dry Cleaners | | 5441 | Candy, Nut and Confection Stores | 7338 | Quick Copy and Reproductions | | 5451 | Dairy Products Stores | 7523 | Parking Lots and Garages | | 5462 | Bakeries | 7542 | Car Washes | | 5499 | Miscellaneous Food Stores-Convenience Stores and Specialty Markets | 7832 | Motion Picture Theaters | | 5541 | Service Stations (with or without ancillary services) | 7841 | DVD/Video Tape Rental Stores | | 5812 | Eating Places and Restaurants |
MasteCard - Transactions that meet the characteristics listed below will be exempt from chargebacks for reason codes 01 (Non receipt of requested item), 02 (Illegible Item), and 37 (No cardholder authorization)
- Transaction occurred at U.S. merchant location
- Transaction QPS Qualified
- Authorization obtained for the full amount of the transaction
- Transaction amount $25.00 or below
- Transaction was magnetic swiped or contactless
- Merchant must process under one of the following MCC codes and meet the specific transaction conditions (i.e., equal to or less than transaction amount and if applicable obtain authorization for the full amount
| MCC Code | Description | Amount | Auth Reqd | | MCC Code | Description | Amount | Auth Reqd | | 4121 | Limousines & Taxicabs | 25.00 | Yes | | 5942 | Book Stores | 25.00 | Yes | | 5411 | Supermarkets | 25.00 | Yes | | 5994 | Newsstands | 25.00 | Yes | | 5499 | Miscellaneous Food Stores, Vending Machines | 25.00 | Yes | | 7216 | Dry Cleaners | 25.00 | Yes |
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