Visa 10.2
EMV liability shift non-counterfeit fraud
← All reason codes
What the cardholder is claiming
A card-present payment the cardholder says they did not make, where the card was lost, stolen or never received and the terminal did not complete a chip read. Like 10.1 this is an EMV liability-shift dispute: the answer lives in the terminal data, not the order. 120 calendar days from the transaction processing date.
Defending a 10.2
Riskopus assembles the evidence this code calls for from your own order, delivery and device data, and files it before the deadline.