Visa 10.2
EMV Liability Shift — Non-Counterfeit
Category: Fraud Workflow: Allocation
Merchant response window
30 days
Workflow
Allocation
What triggers it
Legitimate card used fraudulently at a non-EMV terminal.
What to check first — evidence for representment
Same liability dynamics as 10.1.
Confidence: high.
Sourced from PaymentBrief's Visa reference article. Reason-code definitions and timelines change — verify against your scheme documentation or acquirer portal before acting.
Full reference
Visa Reason Codes: The Complete VCR Map