Visa · 10.5Fraud10% industry win rate
Visa Fraud Monitoring Program
Merchant flagged in VFMP — chargeback filed on program basis, not customer complaint.
Required evidence
- Not typically representable
Playbook
Focus on getting out of VFMP: reduce fraud ratio below 0.9% and $75k monthly threshold.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 10.5, 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 10.5 mean?
- Merchant flagged in VFMP — chargeback filed on program basis, not customer complaint.
- What is the win rate for Visa 10.5 disputes?
- Industry-observed representment win rate for Visa 10.5 (Visa Fraud Monitoring Program) averages around 10% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 10.5 chargeback?
- To dispute Visa 10.5, acquirers typically require: Not typically representable.
- How should a merchant respond to a Visa 10.5 dispute?
- Focus on getting out of VFMP: reduce fraud ratio below 0.9% and $75k monthly threshold.