Visa reason code 10.1
Visa 10.1: EMV Liability Shift Counterfeit Fraud
What the cardholder is claiming
A counterfeit chip card was used at a terminal that did not properly process the chip.
The evidence that actually wins
Bank analysts skim responses in minutes against a checklist for this exact code. Lead with the strongest fact; never make them dig.
- ✓Proof the terminal was EMV-compliant and the chip was read (authorization data shows POS entry mode)
- ✓The signed receipt or terminal record for the transaction
The honest read
This is a card-present code about terminal compliance. If your terminal read the chip, the authorization record usually settles it; if the card was swiped at a chip-capable terminal, the liability is generally yours and the fight is rarely worth it.
Nobody can promise you a win; the cardholder's bank decides. What you control is submitting the strongest complete case your records support, on time. Our plain-language guarantees say exactly what that means.
Fighting a 10.1 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to 10.1, your evidence compiled and ordered, and the field-by-field walkthrough. 24-hour rush available. If our review says yours isn't worth fighting, we tell you for free.