Visa 10.5: Visa Fraud Monitoring Program
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Filed against merchants identified by the Visa Fraud Monitoring Program (now subsumed under VAMP). Indicates the merchant has crossed Visa's fraud-ratio thresholds.
Playbook note: This code signals the merchant is already in a Visa monitoring program. Defense difficulty is high because the chargeback exists against a backdrop of acquirer scrutiny. Immediate remediation required.
Compelling evidence for 10.5
- Same evidence as 10.4, AVS, CVV, 3DS, IP, delivery
Visa 10.5 questions.
How long do I have to respond to a Visa 10.5 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 10.5?
The issuer filing window for 10.5 is 120 days from transaction date.
How hard is 10.5 to defend?
Defense difficulty for this code is rated Weak in our catalogue. This code signals the merchant is already in a Visa monitoring program. Defense difficulty is high because the chargeback exists against a backdrop of acquirer scrutiny. Immediate remediation required.