2.4 CardChrgBackRepRes

CardChrgBackRepRes describes the following record types:

  • Chargeback Advice — created when the issuer raises a chargeback notification to reclaim funds from a merchant after a disputed purchase. For example, the issuer raises a notification where the cardholder claimed that the transaction was fraudulent or that they did not receive the product that was purchased. The funds that were previously debited from the card for the disputed transaction are now returned to the card.

  • Chargeback Reversal — created when the issuer reverses a previous chargeback notification (withdraws the chargeback).

  • Representment Advice — created when a merchant disputes a chargeback by providing evidence that the reason for the chargeback claim was invalid.

  • Representment Reversal — created by the acquirerClosed The merchant acquirer or bank that offers the merchant a trading account, to enable the merchant to take payments in store or online from cardholders. when they want to withdraw the representment. For example, if the merchant provided insufficient or invalid evidence or missed the representment deadline.

You can use the AdjustId element to uniquely identify the record and distinguish it from all other CardChrgBackRepRes records.

Child Element

Description

Data Type

Required

Constraints /

Permitted Values

RecordType

Indicates the type of CardChrgBackRepRes record.

xs:string

Yes

Valid values are:

CB = Chargeback Advice

CBREV = Chargeback Reversal

REPRES = Representment Advice

REPRESREV =Representment Reversal

ChgbackRepresId

Unique identitifier for this CardChrgBackRepRes record.

xs:unsignedLong

Yes

0 to 2^64

LocalDate

The date and time the record was generated by the terminal (POS or ATM) or acquirer.

<LocalDate>

Yes

See the LocalDate sub-element

SettlementDate

The date the transaction has been processed.

<SettlementDate>

Yes

See the SettlementDate sub-element

Card

Details of the card used in the transaction. 

<Card>

Yes

See the Card sub-element

Account

Details of the cardholder account.

<Account>

Yes

See the Account sub-element

TxnCode

Indicates the type of transaction.

<TxnCode>

Yes

See the TxnCode sub-element

TxnAmt

Indicates the value of the transaction requested by the cardholder.

<BasicAmount>

Yes

See the TxnAmt sub-element

CashbackAmt

Details of any cashback amount requested by cardholder. If no cashback is requested then populate with a zero value and the transaction currency code.

Note: Not applicable to Discover Global Network.

<BasicAmount>

Yes

See the CashbackAmt sub-element

BillAmt

The amount posted to the cardholder account. This does not include interchange.

<RateAmount>

Yes

See the BillAmt sub-element

ApprCode

The approval code generated by the issuer and printed on the receipt.

<ApprCode>

Yes

See the ApprCode sub-element

Trace

Information used to uniquely identify the transaction.

Note: Not applicable to Discover Global Network.

<Trace>

Yes

See the Trace sub-element

MerchCode

A unique code identifying the Merchant (also know as the Card Acceptor Identifier).

<Merch

Code>

Yes

See the MerchCode sub-element

Term

Describes the terminal used for the transaction.

<Term>

Yes

See the Term sub-element

Schema

Indicates the name of the card scheme.

<Schema>

Yes

See the Schema sub-element

Txn

Describes the validation or authentication properties used in a transaction.

<Txn>

Yes

See the Txn sub-element

MsgSource

Describes the derivative source of the record.

<MsgSource>

Yes

See the MsgSource sub-element

Repeat

Information to show the number of the chargeback or representment.

 

xs:unsigned

Byte

Yes

Valid values are:

1 = First chargeback / representment

2 = Second Chargeback / representment

SettlementAmt

The amount posted to the settlement account.

<SettlementAmt>

Yes

See the Settlement sub-element

Fee

Interchange or service fee amount posted to the settlement account.

<DirectionAmount>

Yes

See the Fee sub-element

ARN

Acquirer Reference Number.

<ARN>

Yes

See the ARN sub-element

FIID

Forwarding Institution Identification code.

Only applicable to Mastercard chargebacks.

<FIID>

No

See the FIID sub-element

RIID

Receiving Institution Identification code.

Only applicable to Mastercard chargebacks.

<RIID>

Yes

See the RIID sub-element

ReasonCode

Message reason code.

xs:string

Yes

See Message_Reason Codes

Classification

Merchant classification for the transaction.

<Classification>

Yes

See the Classification sub-element

OrigTxnAmt

Original transaction amount. The value of the original transaction requested by the cardholder. This is used in the case of the transaction being a partial chargeback/representment, chargeback reversals or representment reversals.

<PartialAmount>

If applicable

See the OrigTxnAmt sub-element

PartialReversal

Indicates if the amount reversed is a partial amount of the original chargeback.

Xs:boolean

If applicable

Valid values are:

true = Partial Reversal;

false = Full Reversal

If not supplied, assumes “false”.

SettlementCycle

Shows the settlement cycle for the chargeback.

<SettlementCycle>

Yes

See the SettlementCycle sub-element

ReconciliationDate

Shows the reconciliation date for the chargeback.

<ReconciliationDate>

Yes

See the ReconciliationDate sub-element

ReconciliationCycle

Shows the reconciliation cycle for the chargeback.

<ReconciliationCycle>

Yes

See the ReconciliationCycle sub-element

Usage

Indicates whether the chargeback is manually credited to the card.

<Usage>

Yes

See the Usage sub-element

Pending_Billing_Amount

Value of the chargeback billing amount.

< Pending_Billing_Amount>

Yes

See the Pending_Billing_Amount sub-element

SettlementIndicator

Indicator for Domestic or International settlement.

SettlementIndicator

If applicable

See the SettlementIndicator sub-element

Additional_Amt_DE54

Additional amounts field where additional fees such as card network fees are held.

Note: Not applicable to Discover Global Network.

<Additional_Amt_DE54>

If applicable

See the Additional_Amt_DE54 sub-element

ChargebackRefNum

Chargeback reference number, as displayed in Smart ClientClosed Smart Client is Thredd's user interface for managing your account on the Thredd Platform. Smart Client is installed as a desktop application and requires a secure connection to Thredd systems in order to be able to access your account..

Only applicable to Mastercard chargebacks.

Note: Not applicable to Discover Global Network.

<ChargebackRefNum>

If applicable

See the ChargebackRefNum sub-element

Example

Copy 
<CardChrgBackRepRes>
    <RecordType>CB</RecordType>
    <ChgbackRepresId>2300500740</ChgbackRepresId>
    <LocalDate>20210121003337</LocalDate>
    <SettlementDate>20210121</SettlementDate>
    <Card PAN="8063463816397253" MaskedPAN="806346******7253" product="MCRD" programid="GPS" 
    productid="9015" branchcode="929" />
    <Account no="346381639" type="01" />
    <TxnCode direction="credit" Type="pos" Group="pos" />
    <TxnAmt value="0.00" currency="840" />
    <CashbackAmt value="0.00" currency="826" />
    <BillAmt value="0.00" currency="840" rate="1.000000000" />
    <ApprCode>105531</ApprCode>
    <Trace auditno="772584" origauditno="772584" Retrefno="000000772298" />
    <MerchCode>test1234AAAAAAA</MerchCode>
    <Term code="test1234" location="the local bank" street="" city="london" country="GB" inputcapability="0" authcapability="0" />
    <Schema>MCRD</Schema>
    <Txn cardholderpresent="4" cardpresent="0" cardinputmethod="F" cardauthmethod="0" cardauthentity="0" TVR="0" />
    <MsgSource value="67" domesticMaestro="no" />
    <Repeat>1</Repeat>
    <SettlementAmt value="0.00" currency="840" rate="1.000000000" date="20210121" />
    <Fee value="0.03" currency="978" direction="debit" />
    <ARN>02807199340000007725849</ARN>
    <FIID>456321</FIID>
    <RIID>000111</RIID>
    <ReasonCode>4515</ReasonCode>
    <Classification MCC="3000" />
    <OrigTxnAmt value="1.00" currency="840" />
    <PartialReversal>false</PartialReversal>
    <SettlementCycle>01</SettlementCycle>
    <ReconciliationDate />
    <ReconciliationCycle>06</ReconciliationCycle>
    <Usage>0</Usage>
    <Pending_Billing_Amount>1.00</Pending_Billing_Amount>
    <Additional_Amt_DE54 />
    <ChargebackRefNum>5822982</ChargebackRefNum>
</CardChrgBackRepRes>