Visa reason code 10.2
Visa 10.2: EMV Liability Shift Non-Counterfeit Fraud
What the cardholder is claiming
The cardholder says a lost or stolen card was used at your card-present terminal without their permission, and because the transaction was not processed as a chip transaction, fraud liability shifted from the issuer to you under the EMV rules.
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.
- ✓Authorization record showing POS entry mode 05 (chip read) and PIN verification, pulled from your processor's auth log for this exact transaction
- ✓EMV certification for the specific terminal ID that processed the sale
- ✓Proof the transaction was a valid magstripe fallback: chip was attempted first and the terminal prompted fallback after a chip failure
- ✓Signed receipt plus any identity verification captured at the point of sale
- ✓Evidence the code does not apply at all, for example the transaction was card-absent and therefore outside the EMV liability shift
The honest read
This is a rules-based code, not a story contest: if you swiped or keyed a chip card on a non-EMV terminal and the card turns out to be lost or stolen, the liability is yours by rule and no narrative fixes that. The winnable version is when your auth data shows a genuine chip-and-PIN read, which makes the dispute itself invalid. If your terminal is not EMV compliant, take the loss and fix the hardware, because every future fraud claim lands on you the same way.
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 10.2 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to 10.2, 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.