ChargebackKit
VisaFraudUpdated June 2026

Visa Reason Code 10.2: EMV Liability Shift — Non-Counterfeit Fraud

A lost or stolen card was used in person at a terminal that was not EMV chip-enabled, shifting fraud liability from the issuer to the merchant.

Respond within ~30 days
Highly winnable

Your strongest argument

The transaction was processed via an EMV chip read at a certified terminal — the lost/stolen liability shift does not apply.

Evidence that wins a Visa 10.2 dispute

  • Proof the terminal was EMV chip-enabled and the chip was read (not a magstripe fallback)
  • Transaction record confirming chip-on-chip acceptance
  • PIN-verified or contactless authorization record if applicable
  • Authorization and settlement records

Ordered strongest first — lead your rebuttal with the items at the top.

Not sure you have enough to win?

Run a free 60-second readiness check for Visa 10.2. Answer a few yes/no questions and get a 0–100 score, a green/amber/red evidence checklist, and your exact response deadline — no signup.

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How processors label this dispute

ProcessorWhat you'll see
Stripereason: fraudulent

Where to pull this evidence

Prove the genuine cardholder made and benefited from the purchase. Authentication data wins these. Here's exactly where the relevant records live in each processor dashboard — gather them free before you build your pack.

Stripe

Dashboard → Payments → Disputes (or the email alert from Stripe).

  • AVS & CVC check results: Open the original payment → Payment details → "Checks" (CVC, ZIP, address).
  • Customer email, IP, and device: Payment → Customer section and the "Risk insights" / Radar panel.
  • Receipt / order confirmation: Payment → "Send receipt" or your order-management system; export the PDF.
  • Refund history & reference IDs: Payment → Timeline shows any refunds with their re_… reference IDs.

Shopify Payments

Shopify admin → Orders → the flagged order → "Chargeback" banner, or Settings → Payments → Manage disputes.

  • Order & fulfillment details: Orders → the order → Fulfillment + Timeline (shows when items shipped).
  • Tracking number & carrier: Orders → Fulfillment → tracking; confirm "Delivered" status with the carrier.
  • Customer info & IP: Order → Customer section; Order → Additional details / fraud analysis for IP and AVS/CVV.
  • Fraud analysis (AVS/CVV/risk): Order → "Fraud analysis" panel shows AVS, CVV, and Shopify’s risk indicators.

Square

Square Dashboard → Disputes (or Balance → Disputes), or the email from Square.

  • Transaction & receipt: Transactions → the payment → receipt; "Resend receipt" for a copy.
  • Card-present / chip details: Transaction detail shows entry method (chip, tap, keyed) — chip reads support card-present disputes.
  • Customer details: Customer Directory → the customer; or the transaction’s customer section.
  • Itemization & amount: Transaction → itemized breakdown to rebut "incorrect amount" claims.

PayPal

PayPal → Resolution Center → the open case (Dispute, Claim, or Chargeback).

  • Transaction details & ID: Activity → the transaction → details; note the Transaction ID.
  • Proof of delivery / tracking: Resolution Center → "Respond" → add tracking number + carrier (PayPal validates delivery).
  • Proof of shipment / service: Resolution Center evidence upload: invoice, shipment receipt, or service-completion proof.
  • Buyer communication: Resolution Center message thread + your own email records with the buyer.

Build a submission-ready Visa 10.2 response

ChargebackKit assembles your evidence into a formatted, labeled rebuttal pack with the exhibits and response letter card networks expect — pre-mapped to Fraudulent / Unauthorized disputes.

Build your evidence pack — $19

Or run the free readiness check first.

Frequently asked questions

What is Visa reason code 10.2?↓
Visa 10.2 ("EMV Liability Shift — Non-Counterfeit Fraud") is filed when a lost or stolen card is used in person at a non-EMV terminal. Under Visa's chip liability rules, accepting card-present transactions without chip creates merchant liability for this type of fraud.
How do I win a Visa 10.2 chargeback?↓
Show the terminal was EMV chip-enabled and the chip was read — not a magstripe fallback. A valid chip-on-chip transaction record moves liability back to the issuer.
What is the difference between Visa 10.1 and 10.2?↓
Visa 10.1 is counterfeit card fraud; 10.2 is lost or stolen card fraud. Both involve the EMV liability shift when card-present terminals are not chip-enabled. Winning both requires proving a chip read occurred.

Where to go next

Build the pack for Fraudulent / Unauthorized disputes, or dig into the matching guide, template, and processor evidence requirements.

Build the pack for this dispute

Updated June 2026. Reason-code meanings and evidence requirements are sourced from card network documentation and may change; always check your processor dashboard for the exact deadline and label on your dispute.