Visa · 10.4Fraud42% industry win rate
Other Fraud – Card-Absent Environment
Cardholder claims they did not authorize a card-not-present transaction (e-commerce, phone, mail order).
Required evidence
- AVS + CVV match records
- IP address + device fingerprint at checkout
- Delivery confirmation with signature
- Prior undisputed purchase history from same card
- Login session and account activity logs
Playbook
Bundle AVS/CVV, IP geolocation matching billing address, and any digital-goods access logs. If shipped, prove delivery to the cardholder's verified address.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 10.4, 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 10.4 mean?
- Cardholder claims they did not authorize a card-not-present transaction (e-commerce, phone, mail order).
- What is the win rate for Visa 10.4 disputes?
- Industry-observed representment win rate for Visa 10.4 (Other Fraud – Card-Absent Environment) averages around 42% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 10.4 chargeback?
- To dispute Visa 10.4, acquirers typically require: AVS + CVV match records; IP address + device fingerprint at checkout; Delivery confirmation with signature; Prior undisputed purchase history from same card; Login session and account activity logs.
- How should a merchant respond to a Visa 10.4 dispute?
- Bundle AVS/CVV, IP geolocation matching billing address, and any digital-goods access logs. If shipped, prove delivery to the cardholder's verified address.