Visa Chargeback Reason Code
Visa Reason Code 10.5: Visa Fraud Monitoring Program
Category FraudBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
Transactions identified under the Visa Fraud Monitoring Program
What Visa Reason Code 10.5 Means
Visa reason code 10.5 applies to disputes tied to transactions that Visa identified through the Visa Fraud Monitoring Program, which flags merchants exceeding fraud-activity thresholds.
Why This Chargeback Happens
This dispute commonly occurs when a merchant's fraud levels place it in the Visa Fraud Monitoring Program and Visa reports specific transactions as fraudulent through the program's process.
What the Cardholder or Issuer Is Claiming
The issuer or program identifies the transaction as fraudulent under the Visa Fraud Monitoring Program, tying the dispute to program-reported activity rather than a standalone cardholder claim.
What Merchants Should Review
Review whether the transaction was reported under the program, your overall fraud-monitoring status, the authentication and screening applied to the order, and any communication from your acquirer about program enrollment.
Recommended Chargeback Evidence
- Evidence of 3-D Secure authentication or liability shift, if applicable
- Fraud-screening results applied to the transaction
- Documentation of the merchant's fraud-remediation actions
- AVS and CVV results and delivery confirmation where relevant
How to Prevent Similar Disputes
Program-related fraud disputes may be reduced by lowering overall fraud rates, strengthening authentication and screening, resolving alerts quickly, and working with the acquirer on remediation to exit the monitoring program.
Important Limitations
This page is educational and reflects common industry usage. Program thresholds, timelines, and requirements change over time. Merchants should confirm current program status and requirements with their acquirer or processor.
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.