The issuer may invoke the chip and the chip/PIN liability shift only with the first
chargeback under message reason code 4870 and 4871.
Acquirers may use message reason code 2870 (Chip Liability Shift) to invoke
the chip liability shift as a final remedy to a chargeback initiated under one of
these message reason codes.
Reason Code Description
4807 Warning Bulletin File
4812 Account Number Not on File
4837 No Cardholder Authorization
Acquirers must use message reason code 2871 (Chip/PIN Liability Shift) to
indicate that a chip/PIN liability shift is the reason for the second presentment
in response to message reason code 4837.
An arbitration chargeback is not allowed if the second presentment under
message reason code 2870 or 2871 was valid.
Acquirers continue to have the right to submit second presentments for
chargebacks initiated using the message reason codes listed above for any of
the following situations:
• The issuer initiated an invalid chargeback.
• The acquirer already issued a credit.
• The acquirer has new information that was unknown to the issuer before
the original chargeback (for example, a new merchant name, or different
transaction date).