Visa 10.3
Other Fraud — Card-Present
Category: Fraud Workflow: Allocation
Merchant response window
30 days
Workflow
Allocation
What triggers it
Unauthorized in-person transaction (card-present fraud).
What to check first — evidence for representment
Cardholder claims fraud at point of sale.
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