Why did I get a dispute with Visa reason code 10.5?
Your business is enrolled in the Visa Fraud Monitoring Program and the issuer was allowed to dispute the fraudulent transaction.
How long can the issuer wait to file a dispute with Visa reason code 10.5?
The maximum amount of time that can pass between the date the issuer learns you are enrolled in the Visa Fraud Monitoring Program and the dispute processing date is 120 calendar days.
What do I need to fight a dispute with Visa reason code 10.5?
- If the transaction has been previously disputed with a different reason or dispute condition, provide documentation that proves this second dispute is invalid.
- If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.
- If the cardholder no longer wishes to dispute the transaction, provide documentation that proves the issue has been resolved.
How can I avoid a dispute with Visa reason code 10.5 in the future?
- Monitor your fraud-to-transaction ratio and take necessary steps to prevent breaching thresholds established by Visa.