Visa 10.4: Other Fraud, Card-Absent Environment
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Cardholder claims a card-not-present (online, MoTo, recurring) transaction was unauthorized. The single most common e-commerce fraud chargeback. Often filed against legitimate transactions where the cardholder simply does not recognize the descriptor.
Playbook note: 3DS authentication is the single strongest defense, if 3DS was successfully completed, liability shifts back to the issuer in most cases. High volumes of 10.4 are the fastest path to Visa VAMP and acquirer termination.
Compelling evidence for 10.4
- AVS / CVV match results
- 3DS authentication record (if available)
- IP address geolocation matching cardholder
- Device fingerprint
- Delivery confirmation to cardholder address
- History of prior successful transactions from same cardholder
- Cardholder communication logs
Visa 10.4 questions.
How long do I have to respond to a Visa 10.4 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 10.4?
The issuer filing window for 10.4 is 120 days from transaction date.
How hard is 10.4 to defend?
Defense difficulty for this code is rated Weak in our catalogue. 3DS authentication is the single strongest defense, if 3DS was successfully completed, liability shifts back to the issuer in most cases. High volumes of 10.4 are the fastest path to Visa VAMP and acquirer termination.