Automate Mastercard second-presentment evidence submission for disputed agent-initiated card transactions coded under 'no cardholder authorization' reason codes

Steps

1. Identify disputes filed under Mastercard's no-cardholder-authorization fraud reason code as second-presentment candidates
2. Assemble Mastercard's required evidence: AVS/CVV match results, IP address, device fingerprinting data, and delivery confirmation, mirroring but distinct in format from Visa's CE3.0 package
3. For agent-initiated purchases, retain the specific agent-token or Agentic Token identifier used for the transaction so you can prove it was correctly scoped and issued to an authenticated agent session
4. Submit the evidence package as a second presentment through your acquirer within Mastercard's response window, which is time-boxed similarly to Visa's process but follows Mastercard's own rules and terminology
5. Track and route already-lost or ineligible disputes (e.g. missing evidence) away from the automated path to avoid wasting processing on unwinnable cases
6. Maintain a running success-rate dashboard by evidence type to prioritize which signals to invest in capturing more reliably