---
title: What is the process if a payment is subsequently reported/detected as being transacted on a stolen card?
description: If the payment is successful on a stolen card due to the cardholder bank not flagging the card, this would require Kovena and the hotel to provide the issuing bank the relevant information for the tra
---

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# What is the process if a payment is subsequently reported/detected as being transacted on a stolen card?

If the payment is successful on a stolen card due to the cardholder bank not flagging the card, this would require Kovena and the hotel to provide the issuing bank the relevant information for the transaction. In the case 2-Factor Authentication (3DS) was used, the hotel would bear no responsibility. In the cases where 2-Factor Authentication wasn’t used, the issuing bank still bears the cost if Kovena and the hotel can provide evidence that the service was delivered.

 

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