Visa 10.4
Other Fraud — Card-Absent
Category: Fraud Workflow: Allocation
Merchant response window
30 days
Workflow
Allocation
CE 3.0
Eligible
What triggers it
Unauthorized card-not-present transaction. The highest-volume fraud code for e-commerce.
What to check first — evidence for representment
Only code eligible for CE 3.0 defense: submit two prior undisputed transactions from the same cardholder, dated 120–365 days before the disputed transaction.
Special notes
CE 3.0 (10.4 only): from October 17, 2025, merchants on Visa Secure or Visa Data Only receive automatic CE 3.0 qualification — no manual filing required. CE 3.0-resolved disputes are excluded from the VAMP ratio.
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