SAFE
System to Avoid Fraud EffectivelyDisputes & risk
Mastercard's fraud-reporting system, equivalent to Visa's TC40. Issuers file SAFE reports against transactions flagged as fraudulent by the cardholder. Used in calculating Mastercard's merchant fraud-rate metrics; can trigger Questionable Merchant Activity (4849) chargebacks.
In practice.
SAFE is the Mastercard confirmed-fraud reporting feed, the counterpart of TC40 at Visa. Issuers file fraud reports into it whether or not a chargeback follows, and those reports drive fraud monitoring. You do not see SAFE data directly, but your acquirer and the scheme do, which is why fraud screening matters beyond dispute counts.
Disputes & risk