Visa · 10.2Fraud25% industry win rate
EMV Liability Shift Non-Counterfeit Fraud
Lost/stolen chip card used at non-EMV terminal.
Required evidence
- EMV chip read record
- PIN verification if present
Playbook
Prove chip + PIN was used. Fallback swipes on chip cards are near-unwinnable.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 10.2, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.
Related fraud codes
Frequently asked questions
- What does Visa chargeback reason code 10.2 mean?
- Lost/stolen chip card used at non-EMV terminal.
- What is the win rate for Visa 10.2 disputes?
- Industry-observed representment win rate for Visa 10.2 (EMV Liability Shift Non-Counterfeit Fraud) averages around 25% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 10.2 chargeback?
- To dispute Visa 10.2, acquirers typically require: EMV chip read record; PIN verification if present.
- How should a merchant respond to a Visa 10.2 dispute?
- Prove chip + PIN was used. Fallback swipes on chip cards are near-unwinnable.