Visa Chargeback Reason Code
Visa Reason Code 10.3: Other Fraud — Card-Present Environment
Category FraudBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Visa Reason Code 10.3 Means
Visa reason code 10.3 identifies a dispute in which the cardholder claims they did not authorize a card-present transaction that does not fall under the specific EMV liability-shift conditions.
Why This Chargeback Happens
This dispute commonly occurs after in-person fraud, when a card was manually keyed without the card present, or when the cardholder does not recognize a legitimate card-present purchase.
What the Cardholder or Issuer Is Claiming
The cardholder claims the card-present transaction was not authorized by the account holder.
What Merchants Should Review
Review the transaction entry mode, whether the card was physically present, any signature or PIN verification, the terminal receipt, and any prior undisputed purchases from the same cardholder.
Recommended Chargeback Evidence
- Authorization records showing card-present entry mode
- Signed receipt or PIN verification, if collected
- Terminal and transaction logs showing the physical card was read
- Evidence of prior undisputed purchases from the same cardholder
How to Prevent Similar Disputes
Card-present fraud disputes may be reduced by processing chip transactions correctly, capturing cardholder verification when appropriate, retaining receipts, and avoiding manual key entry when the card can be read.
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.