Visa 10.2: EMV Liability Shift Non-Counterfeit Fraud
FraudDefense: WeakMATCH relevance: Moderate
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Lost or stolen card used in a card-present transaction at a non-chip-capable terminal. EMV liability shift applies, merchant absorbs the loss.
Playbook note: Same EMV liability framework as 10.1, chip terminal compliance is the only durable mitigation.
Compelling evidence for 10.2
- Government-issued ID check at point of sale
- Signed receipt
- Surveillance footage if available
Visa 10.2 questions.
How long do I have to respond to a Visa 10.2 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 10.2?
The issuer filing window for 10.2 is 120 days from transaction date.
How hard is 10.2 to defend?
Defense difficulty for this code is rated Weak in our catalogue. Same EMV liability framework as 10.1, chip terminal compliance is the only durable mitigation.