Visa 10.1: EMV Liability Shift Counterfeit Fraud
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Filed when a counterfeit chip card was processed at a merchant whose terminal does not support EMV chip reads. Liability shifts to the merchant under Visa's EMV liability shift framework.
Playbook note: Best defended preventatively by upgrading all card-present terminals to EMV-capable hardware. Once liability shifts to the merchant, representment success is rare.
Compelling evidence for 10.1
- Receipt with chip-read indicator (if applicable)
- EMV terminal certification documentation
- Cardholder identification verification at point of sale
Visa 10.1 questions.
How long do I have to respond to a Visa 10.1 chargeback?
30 days from notification. Missing the response window normally forfeits the dispute, whatever the merits of your case.
How long can the issuer wait before filing 10.1?
The issuer filing window for 10.1 is 120 days from transaction date.
How hard is 10.1 to defend?
Defense difficulty for this code is rated Weak in our catalogue. Best defended preventatively by upgrading all card-present terminals to EMV-capable hardware. Once liability shifts to the merchant, representment success is rare.