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pecial Bulletin
Overview
In This Issue
Page 1
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
Background
Risk Indicator
S
An S/E has Fraud To Gross (FTG) sales volume ratio that equals or exceeds a threshold
determined by AEGNS, currently 8%.
Page 2
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
S/Es currently on the High Risk S/E list with high risk indicators of
F and T will be evaluated to determine if they meet any of the
High Risk S/E criteria (refer to Section 8.9.2, High Risk S/E
Criteria, of the Business and Operational Policies manual for
additional information). Those that are not classified as high risk
under another indicator will be removed from the list. S/Es
classified as high risk under another indicator will be assigned that
indicator and remain on the High Risk S/E list per the current
policies.
Benefits
Effective Date
September 1, 2015
Impact to
Acquirers
For risk indicator F S/Es that are currently on the High Risk
S/E list will be reviewed to determine if they meet the updated
criteria. S/Es that do not meet the updated criteria will be
removed from the High Risk S/E list while S/Es that meet the
updated criteria will remain on the High Risk S/E list.
Impact to Issuers
Issuers must review the High Risk S/E list to make sure an S/E is on
the list prior to processing a Chargeback for ISO 4763 - Fraud Full
Recourse.
continued on next page
Page 3
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
Additional
Information
For more information regarding the High Risk S/E policy, please
contact your AEGNS Representative.
Changes to
Publications
Page 4
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
Policy Changes
Summary of Policy
Updates
AEGNS is announcing changes to the High Risk S/E Policy criteria for
two (2) risk indicators, F and T. AEGNS will make changes to the
following sections of the Business and Operational Policies manual
to describe the new criteria:
Chapter 7 Policy
Updates
Fraud Chargeback
Chargeback Reason
The Card Account is closed or the Card is canceled at the time of the Transaction or, the
Cardmember denies participation in the Transaction and the S/E is listed on the High
Risk S/E list.
The Fraud Full Recourse Chargeback allows Issuers the right to transfer liability of all
fraud types, including counterfeit Cards, to the Acquirer for any S/E subject to this
Chargeback.
Description
POS/ATM Eligibility
Processing under this reason code requires that the S/E was listed on the High Risk S/E
list at the time of the Chargeback under one (1) of the following categories:
1)
A fictitious S/E who is listed on the High Risk S/E list with a risk indicator of S, or
2)
A prohibited or illegal industry S/E who is listed on the High Risk S/E list with a
risk indicator of I, or
3)
A high Fraud to Gross (FTG) sale volume ratio S/E who is listed on the High Risk
S/E list with a risk indicator of F, or
4)
5)
S/E was canceled for derogatory reasons and was listed on the High Risk S/E list
with a risk indicator of X.
POS only
Page 5
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
1)
2)
Transactions that qualify for the American Express SafeKey Fraud Liability
Shift. Refer to Section 7.9.8.3, American Express SafeKey Fraud Liability
Shift, for additional information.
3)
Transactions that qualify for the AEGNS Oil Fraud Liability Shift Program. Refer
to Section 7.9.8.4, Oil Fraud Liability Shift Program, for additional information.
4)
Minimum Amount
$0
Conditions
2)
3)
Before filing this Chargeback, the Issuer must manually enter the fraud
Transaction into the WFIS or electronically transmit it into the GNS Fraud
Repository.
Retrieval Required
No
Issuer Support
Proof that the S/E was not listed on the High Risk S/E list at the time of the
Chargeback.
2)
3)
Proof that the Transaction falls into one (1) of the excluded Transaction types.
continued on next page
Page 6
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
2.
3.
4.
5.
Page 7
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
Page 8
This document contains sensitive, confidential and trade secret information, and may not be disclosed to
third parties without written consent of American Express Travel Related Services Company, Inc.
March 2015
Technical Changes
Summary of
Technical Updates
The description for Card Acceptor High Risk Indicator T has been updated.
The Card Acceptor High Risk Indicator is used in the S/E Volume Summary and S/E Volume Summary Response messages to indicate the risk status of the Card Acceptor (S/E). Use the Card Acceptor High Risk Indicator in this record:
Records
Record Name
S/E Demographics Detail Data
Message Type
Position
9640
522
Field Name
Card Acceptor High Risk Indicator
This table supplies the value and description for each Card Acceptor High Risk Indicator.
Card Acceptor High Risk Indicators
Card Acceptor High Risk Indicator
An S/E with a high Fraud to Gross Sale Volume ratio (FTG that equals or
exceeds 8%)
An S/E that is not fraudulent or high risk and therefore is not subject to ISO
4763 - Fraud Full Recourse Chargeback.
Note: When an S/E is removed from High Risk (the S/E no longer meets
the criteria for a High Risk S/E), the High Risk Indicator is changed to N.
The high risk status is updated overnight.
Page 9
This document contains sensitive, confidential and trade secret information, and may not be disclosed to third parties
without written consent of American Express Travel Related Services Company, Inc.