Visa 10.3: Other Fraud, Card-Present Environment
FraudDefense: MixedMATCH relevance: Moderate
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Cardholder claims a card-present transaction was unauthorized. Used when EMV liability shift does not apply (e.g., chip-on-chip transaction).
Compelling evidence for 10.3
- Transaction receipt with cardholder signature
- Chip-and-PIN verification record
- Surveillance footage matching cardholder
- ID check log
Visa 10.3 questions.
How long do I have to respond to a Visa 10.3 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 10.3?
The issuer filing window for 10.3 is 120 days from transaction date.
How hard is 10.3 to defend?
Defense difficulty for this code is rated Mixed in our catalogue. The evidence list above is what the schemes accept for this code.