The Disputes section of the Nomupay Merchant Portal now shows fraud reporting data for Visa TC40 and Mastercard SAFE. This article explains what this data is, where to find it and what it means for you.
What are TC40 and SAFE records?
When a cardholder tells their bank that a transaction was fraudulent, the bank (the card issuer) reports it to the card scheme.
- Visa TC40 records are the fraud reports card issuers send to Visa.
- Mastercard SAFE (System to Avoid Fraud Effectively) records are the equivalent fraud reports for Mastercard transactions reported as unauthorised or fraudulent.
A fraud report can come before a chargeback, alongside one, or without any chargeback being raised at all.
How to find fraud data
- Log in to the Nomupay Merchant Portal.
- In the left-hand menu, open Disputes.
- Click Chargebacks.
What you can see
For each fraud record, you can view:
- Fraud reason code – the code the card issuer used when reporting the transaction
- Fraud indicator description – an explanation of why the transaction was reported
- Link to the original transaction – so you can review the full transaction details
Do I need to do anything?
No. A TC40 or SAFE record is not a chargeback, and you don't need to respond to it. No funds are debited because of a fraud report on its own.
That said, fraud reports are an early warning sign. We recommend you review them regularly to:
- spot emerging fraud patterns, such as repeated reports from the same products, card ranges or customer details
- review your fraud prevention controls, for example 3D Secure, velocity checks and address or CVV checks
- take action before further losses or chargebacks occur
Frequently asked questions
Is a TC40 or SAFE record the same as a chargeback?
No. It is a fraud report from the card issuer. If the cardholder also disputes the transaction, a separate chargeback will appear in the Disputes section and must be handled in the usual way.
Can I challenge a fraud report?
No. Fraud reports can't be disputed or reversed. If a chargeback is raised for the same transaction, you can respond to that chargeback as normal.
Why do I have a fraud report but no chargeback?
Not every fraud report leads to a chargeback. For example, the cardholder may already have been refunded, or the issuer may have decided not to raise one.
I can't see the fraud data. What should I do?
Check that you are looking in Disputes > Chargebacks. If you still can't see it, contact us at help@nomupay.com.
Need help?
If you have any questions about fraud data in the Merchant Portal, contact our support team at help@nomupay.com.