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A lost, stolen, or never-received card was used where chip technology should have been read but wasn't.
A valid (not counterfeit) card was used fraudulently in a card-present transaction where the EMV chip wasn't properly read.
Like 10.1, this is a card-present liability-shift code and rarely applies to a pure e-commerce storefront.
Terminal and chip-read transaction logs.
Pull the terminal's chip-read confirmation if the sale was in person; otherwise flag that this code doesn't apply to your transaction type.
Confusing this with online fraud and submitting the wrong evidence type.
Keep point-of-sale hardware current on EMV chip support.
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