Visa 10.4
Other fraud — card-absent environment
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What the cardholder is claiming
The cardholder denies authorising or taking part in a payment made without the card present — the most common fraud dispute for an online store. Visa requires the issuer to report the fraud to Visa before it may dispute, so a fraud report always sits behind this code. The answer is evidence tying the cardholder to the order: an earlier undisputed payment on the same card, a device or address match, or proof they received and used what they bought. 120 calendar days from the transaction processing date.
Defending a 10.4
Riskopus assembles the evidence this code calls for from your own order, delivery and device data, and files it before the deadline.