Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute. Exceptions to Visa Chargeback Time Limits. 2. Reference these when rebutting cardholder disputes at your small business. Chargeback reason code 4853 can be used to indicate disputes in which the cardholder feels that the actual merchandise received (or service provided) differs greatly from the written or verbal description provided at the time of purchase. The implication is that the merchant failed to deliver the goods or services, but this reason. Compelling Evidence 3. 5 Visa Fraud Monitoring ProgramEach card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Learn about chargeback reason codes. The 3DS Adoption Rate Remains Low. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. the date on the credit transaction receipt. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. The good news is that most of these invalid claims are disputable by the merchant. With the overhaul of their reason code system, Visa divided reason. This means they are 100% preventable. 0 is simply a better protocol than 1. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 13. 0 initiative to update compelling evidence requirements for dispute reason code 10. Chargeback reason code 13. 1? Chargeback reason code 11. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 1 falls under the “Processing Errors” category. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2, which specifically deals with. In contrast, an AFT is basically the inverse of an original credit transaction, or OCT. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 5 – Misrepresentation. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. . The code replaces Visa’s legacy reason code 41. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. In fact, the same thing could be said of other chargeback reason codes, too. Certain reason codes require specific pieces of evidence to be provided in order to remedy a dispute. This scenario applies when the arbitration was raised by either the. online) purchase. 3? Chargeback reason code 11. 13. It may also apply if a cardholder claims they were never informed that the transaction would be recurring. You’ll find information on reasons codes for all the main card brands here. Many of the card numbers that fraudsters buy will be invalid. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that there is a problem with the transaction currency code. 1 falls under the “Fraud” category. This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. ; Help Center Find answers to common questions about Midigator’s technology,. Subscribe to newsletters. 4? Chargeback reason code 12. Find out the most common. For each reason code, a definition is. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . This chargeback reason code applies when a merchant processes a transaction without using the magnetic stripe or EMV card chip data, and the cardholder claims that they did not participate in the purchase. Visa’s process introduces four dispute categories and associated. 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. Like other networks, Visa has its own set of chargeback reason codes. 5 under Visa Claims Resolution). 3:Visa is introducing changes to the chargeback process with Reason Code 10. Reason Code – 13. 4 | Mastercard Reason Code 4837. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. One of two things will happen next. Learn about the Visa chargeback reason codes and how they apply to Visa transactions. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 0? Merchants that authenticate transactions using 3-D Secure 1. Issuer ACS unavailable - Visa generated CAVV. The chargeback process can last from one month to six months. The Visa chargeback reason codes take the form of two digits followed by a dot followed by a single digit. 12. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Here's an list of any the current Visa motive codes: Chargeback Code: Overview: Fraud : 10. In fact, the same thing could be said of other chargeback reason codes, too. This alphanumeric code corresponds with the specific reason behind the chargeback, such as card-not-present fraud, incorrect currency, misrepresentation, or any other chargeback. 2. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. 6 – Credit Not Processed. Friendly fraud. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 12. a) Code 75 (Cardholder Does Not Recognize): In this code, the. 6 – Credit Not Processed. Acquirer Use of Message Reason Code 7623. Chargebacks911® can help businesses manage all aspects of chargeback reason codes, with proprietary. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Additionally, the corresponding fraud report must be accurately identified as Fraud Type 4—Counterfeit, and acquirers have a representment right if the fraudIt means the issuer has placed a stop or hold on a transaction. Dispute Category. . Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. 1 EMV Liability Shift Counterfeit Fraud; 10. Evidence for Dispute Responses When Under VFMP. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The tool is designed to flag potential fraud based on the rate at which a buyer submits multiple transactions. Region Only) 4855 Goods or Services Not Provided. 1 – Late Presentment. 5 can be disputed. 1, which covers duplicate processing errors, and 12. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. There are some exceptions on the cardholder’s side, though. 3: Not as described or defective. This should include notation that indicates the specific reason for the chargeback. Visa payment system. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services; Furthermore, Visa imposes different time limits for responding to chargebacks depending on the reason code associated with each particular dispute. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Credit card fraud—unauthorized purchases made with stolen cardholder information—is a leading cause of profit loss for merchants. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. The chargeback process allows for cardholders to recover funds in the event of fraud or abuse. Search reason codes 2. The shorthand description is “Late Presentment. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. All card brands have their own number of codes). Merchants can deflect first-party disputes or reverse ensuing chargebacks by tying cardholders to their purchases by capturing transaction data, aka “compelling evidence. reason code information. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. The Complete Chargeback Reason Codes List. What is Visa chargeback reason code 11. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Search reason codes 2. The reason is simple: unlike larger rivals like Visa and Mastercard, American Express serves as an issuing bank and provides payment-processing services to merchants. What is Visa Reason Code 11. The following Visa chargeback code maps are organized by category, as defined by Visa. Even learning all the terms and rules won’t keep you. 1: Card Recovery Bulletin: 11. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Merchant must provide proof of authorization. 1? Visa chargeback reason code 10. Visa’s chargeback reason code 13. While knowing one system may make the other easier to understand, both are still complex. ; Help Center Find answers to common questions about Midigator’s technology,. Discover. Code Reason (for Visa) 10. 4 Other Fraud – Card Absent Environment 93(1) 10. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. About Visa chargeback reason codes. The merchant loses their. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. What is Mastercard chargeback reason code 4837? Mastercard chargeback reason code 4837 falls under the “Fraud” category. 2? Visa chargeback reason code 12. Mastercard: n/a This chargeback is caused by Authorization. The dispute timeline can be based on one of two start dates. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. 3. The situation described by Visa chargeback reason code 13. Thanks for following the Chargeback Gurus blog. As we mentioned, Visa dispute time limits for merchants are straightforward. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2: EMV Product Shift Non-Counterfeit Betrayal: 10. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. In theory, reason codes help merchants understand why customers dispute. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2, which specifically deals with. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. The dispute timeline can be based on one of two start dates. About Visa chargeback reason codes. 3 Other Fraud – Card Present Environment 83(1) 10. About Discover chargeback reason codes. Rupay Cardholder Dispute Chargeback Reason Codes. ”. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. New Visa CE 3. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. Q. Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. Reason code 13. This is a common misconception. This code applies when Visa notifies the issuer of a transaction that was identified by the Visa Fraud Monitoring Program (VFMP); one not successfully disputed under another reason code. What is Visa Reason Code 12. First, 3-D Secure is an “opt-in” program. Again, banks should not really be using 4807. In the case of an arbitration chargeback, though, the issuer must file within 45 calendar days of the second presentment settlement date. It depends on the chargeback reason code associated with the dispute. Visa and Mastercard each use their own set of chargeback reason codes. 2 is an updated version of legacy Visa reason code 76, which was phased out under the Visa Claims Resolution initiative. For example, most cardholders can only file a chargeback within 120 calendar days of the initial transaction. The list of chargeback reason codes in this article is organized by card brand and type of dispute. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date)Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is. MasterCard: Reason Code 4859 Services not rendered. . 9 is slightly narrower in scope. Reason codes are very crucial to assist. • Cardholder Disputes and Chargebacks • Visa Rules for Returns, Exchanges and Cancellations By accepting Visa cards at your point-of-sale,. The sales receipt and/or date and amount of the authorization if other than the transaction date. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. The Visa chargeback reason codes system. Visa Fraud Monitoring Program: Authorization. 0 as it does for 3-D Secure 1. Chargeback reason code 12. 1 Merchandise/Services Not Received; 13. The issuing bank assigns each dispute a code according to the consumer’s claim. In addition to timeframe and workflow changes, Visa is consolidating its chargeback reason codes. 1? Visa chargeback reason code 12. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. ”. 1: EMV Compensation Shift Counterfeit Fraud: 10. If the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. For the time being, however, merchants should be aware that banks may still use the legacy code. Get of Visa’s current reason codes were condensed into four key groupings: fraud, authorization errors, processing fault, and my disputes. 2 falls under the “Authorization” category. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. About Visa chargeback reason codes. 2, the issuing bank has a maximum of 120 calendar days from the transaction processing date chart to dispute a claim. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 5 Visa Fraud Monitoring Program Visa payment system. The sales receipt and/or date and amount of the authorization if other than the transaction date. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The code can be used in multiple specific situations, many of which had their own individual codes at one time. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. Visa Chargeback Reason Codes with Explanations. Among some of the most common Visa chargeback reason codes are Fraudulent Processing of Transactions (Reason Code 4837), Invalid Data (Reason Code 4775), Credit Not Processed (Reason Code 4834), and. 13. It applies when a cardholder participated in an ATM cash withdrawal, but. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. A ruling in the merchant’s favor will return revenue and reverse the original fraud claim. However, if the credit transaction receipt is dated, the issuer must let at least 15 calendar days pass before initiating a dispute. It willEither the dispute must be processed within 120 calendar days of: the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date), or. What is a reason code? 3. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. With Visa transactions, for instance, 3DS would prevent chargebacks from being filed using reason code 10. They must respond within 30 days at each phase, or 10 days for arbitration. The list of chargeback reason codes in this article is organized by card brand and type of dispute. The code replaces Visa’s legacy reason code 41. Chargebacks Explained;. Let’s explore chargeback reason codes from the four leading credit card brands in the United States: Visa, Discover, Mastercard, and American Express. Then there are the reason codes that apply to merchants who are unable to keep up with the unrelenting barrage of chargebacks and fraud attempts that e-commerce companies of today are constantly dealing with. Now George has contacted his bank to start a dispute with the Reason Code 30: Services Not provided or Merchandise Not Received. 6. 4: Fraud—Card-Absent Environment. About Mastercard chargeback reason codes. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Another downside is that chargebacks on annual subscriptions. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 1: Card Recovery Bulletin: 11. ”. F02. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 5 can be disputed. If you’re entered into the VFMP, that means Visa will keep tabs on your activity. 2 Other Fraud – Card Present Environment 81(1) 10. Chargeback reason code - A numeric, custom way to explain the reason of raising a chargeback specific per Card Scheme, e. What is Visa Reason Code 11. There are some exceptions on the cardholder’s side, though. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. 13. A counterpart program, the Visa Dispute Monitoring Program, may apply to both fraud- and non-fraud-related reason codes. He orders a pair but later realizes that he is short on money for the month. Mastercard chargeback reason code 4808 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. 5, and you're entered into the Visa Fraud Monitoring Program,. 3 - Incorrect CurrencyPlease note that the most common Chargeback reason code for Allocation disputes is 10. That’s 50% more time than what the major card networks allow. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. To be labeled with reason code 10. The term "counterfeit fraud" refers to specific chargeback situations defined by Visa Reason Code 10. 1=1010, 10. The time limits for filing a chargeback under different Visa reason codes can vary. Since these disputes come from the issuer, a merchant response is allowed only under certain conditions. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ; Help Center Find answers to common questions about Midigator’s technology,. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Many subscription payment disputes are made under code 13. 4846 — Incorrect Currency Code. What is Visa chargeback reason code 10. Issuer Review; Allocation. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. This list was generated 5/4/2022. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Merchants. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Merchants should review these codes, track which ones they receive, and respond to inquiries and chargebacks with the appropriate supporting evidence. If a customer asks to use another form of payment after the Visa card transaction has been processed, credit from the original. However, they must generally wait 15 days after the processing date before they can file a dispute on behalf of the customer. 1st Chargeback. 7 can be disputed, but it’s much more efficient to take a proactive stance. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. The Visa Fraud Monitoring Program, or VFMP, is a merchant compliance platform aimed at identifying and tracking merchants that receive too many chargebacks with “fraud”-related reason codes. 6. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. George was surfing online and spontaneously decides to buy shoes for himself. 1: 10:Visa chargeback reason codes . The situation described by Visa chargeback reason code 13. Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. 3 applies when a cardholder claims a charge—made in a card-present environment—was. 9 is slightly narrower in scope. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. Eliminate false positives. 0 rule changes take effect. 3 – Not as Described or Defective Merchandise / Services. 5: Visa Fraud Monitoring Program. 1: EMV Liability Shift Counterfeit Fraud: 10. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. However, since most are the result of easily preventable merchant errors, it’s much more efficient to take a proactive stance. Visa chargeback reason code 12. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Exceptions to Visa Chargeback Time Limits. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Learn more about Mastercard chargeback reason. View the entire list of Visa reason codes. This chargeback occurs when merchants do not adequately provide currency information. From mid April 2023, Visa will enforce the Visa Compelling Evidence 3. It is subject to change and may not include every currently known dispute reason code. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. 12. See moreFor each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. Chargeback Reason Codes. The issuing bank reviews the information. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Reason Code 11. 3. Suspected fraud is a common reason, as is insufficient funds in the cardholder’s account. The claim the cardholder is making here is that they did not authorize the transaction and are alleging their card was used fraudulently or that the merchant pushed a transaction through without. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. The issuer’s main limitation here is the timeframe: for Visa chargeback reason code 10. 1. However, a truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. VisaChargeback Reason Codes. Without 3D Secure Liability shift, it is difficult to challenge the dispute. 2 Compliance CasesIf a merchant does not submit the required pieces of compelling evidence, it is unlikely that the card brands will rule in the merchant’s favor. 1 is an updated version of legacy reason code 74, which was phased out under the Visa Claims Resolution initiative. This code applies when customers claim they never received the merchandise or services they purchased. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. , Visa uses a two-digit code; Mastercard uses a four-digit code. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. 3: No. e. The customer regrets their purchase. October. Free Download. 1 – Duplicate Processing Visa Reason Code 12. 6. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Reason codes are important to help merchants address recurring. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. Chargeback reason code 10. Visa Reason Code 10. The 3DS2 protocol has proven to be a highly effective fraud deterrent. Card-not-present chargeback.