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Visa Reason Code 10.5 Visa Fraud Monitoring Program

Disputeโ€‹

Visa

Card Issuer Name

10.5

Reason Code

Fraud

Category

Claim

The Visa Fraud Monitoring Program (VFMP) marked the transaction as fraudulent.

Cause

The merchant is enrolled in the VFMP, and the issuer is instructed to dispute the transaction if they havenโ€™t filed a chargeback under a different reason code.

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

  • Always get authorization for each transaction.
  • Only process the authorized amount. For extra amounts, run a second transaction.
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