Reason Code 10.4: Other Fraud – Card-Absent Environment

The cardholder claims they did not authorize or participate in a card-absent transaction.

• The merchant processed a card-absent transaction from a stolen or invalid account number.
• The cardholder claims the transaction is fraudulent because of a confusing or unclear merchant descriptor.

• For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud.
• Use clear and consistent billing descriptors.
• Always ask for authorization regardless of the transaction amount.
• Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet orders.
• Use pre-sale fraud detection services to identify cardholder identity, detect potential fraud and reduce the risk of unauthorized transactions.