FAQ: What Is A Code 10 Authorization?

Want to see how Chargeback Gurus can help you manage and prevent chargebacks? Schedule a demo with us here: https://hubs.ly/H0mgh-T0 Fraud tools typically work to filter out fraud based on a set of automations and rules. But occasionally, humans must make a decision on whether or not a transaction is fraudulent. In the card present environment, Code 10 calls allow a merchant to alert the issuing bank of possible fraud without tipping off the customer. On a Code 10 call, a merchant answers "yes" or "no" questions from an automated questionnaire, and these calls are designed to be discreet as they may need to be made in front of the customer. It can be a hard decision for the merchant to make whether or not to make a Code 10 call. A merchant should make a Code 10 call when there is reason to suspect that the customer is engaged in credit card fraud. For instance, one clear and objective indicator is when your point-of-sale terminal displays a message associated with fraud, such as “Lost or Stolen Card” or “Pick Up Card” after the card is swiped or inserted. Another indicator is that visual inspection of a payment card may also reveal signs of fraud or tampering. You might see alterations to the security features or signature, for example. While these calls can be intimidating, they are important to prevent a merchant from being victimized by fraud. Read the article: https://www.chargebackgurus.com/blog/code-10-authorization-calls-chargeback-fraud ©Chargeback Gurus 2020 Production: Tyler DeLarm & Courtney Freeman Narration: Phil Claffey