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Visa Reason Code 10.3 Other Fraud Card-Present Environment/Condition

Disputeโ€‹

Visa

Card Issuer Name

10.3

Reason Code

Fraud

Category

Claim

The cardholder claims they did not authorize or participate in an unattended or key-entered card transaction.

Cause

The merchant didnโ€™t:

  • Ensure the card was read and the chip was read.
  • Get a manual card account imprint for the key-entered transaction.
  • Label a card-not-present transaction as either phone/mail or internet order.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 20 days to respond to the claim in dispute.

Steps to Prevention

  • Ensure card-present transactions are magnetic stripe read or chip-read.
  • If you cannot read the chip or swipe the card, always create a manual card imprint.
  • Always differentiate between card-not-present and card-present transactions.
Justt

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