Visa Chargeback Reason Code
Visa Reason Code 10.2: EMV Liability Shift Non-Counterfeit Fraud
Category FraudBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Visa Reason Code 10.2 Means
Visa reason code 10.2 applies to fraud involving a lost, stolen, or never-received card used in a card-present environment where the EMV liability shift places responsibility on the acquiring side.
Why This Chargeback Happens
This dispute commonly occurs when a chip-capable card was used at a terminal that did not support chip and PIN, or when a PIN-preferring card was accepted without the required cardholder verification, allowing fraud with a genuine but misused card.
What the Cardholder or Issuer Is Claiming
The issuer claims the transaction was made with a lost, stolen, or never-received card and that the acceptance environment did not meet Visa's chip and cardholder-verification requirements.
What Merchants Should Review
Review whether the terminal supported chip and PIN, the cardholder verification method used, the entry mode in the authorization message, and whether the transaction should have prompted for PIN.
Recommended Chargeback Evidence
- Authorization records showing entry mode and cardholder verification method
- Evidence the terminal was chip and PIN capable
- Terminal configuration or certification documentation
- Any signed receipt or other verification of the cardholder
How to Prevent Similar Disputes
Non-counterfeit liability disputes may be reduced by using terminals that support chip and the appropriate cardholder verification methods, and by ensuring PIN prompts occur when the card requests them.
Important Limitations
This page is educational and reflects common industry usage. Visa dispute rules, timelines, and evidence requirements change over time and vary by dispute condition. Merchants should confirm current requirements with their acquirer or processor before responding to any dispute.
Relevant Payment Defender Products
AlertBridge™
AlertBridge™ may help merchants intercept fraud disputes as alerts before they become chargebacks.
Explore AlertBridge™
Related Reason Codes
Sources and Review Information
- Visa: Visa Merchant Dispute Management Guidelines
- Visa: Visa Core Rules and Visa Product and Service Rules
Last reviewed July 17, 2026
Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.