Visa10.5

Visa Fraud Monitoring Program

What is this chargeback?

Your business has been entered into the Visa Fraud Monitoring Program, and under the restrictions imposed as part of the VFMP, the issuer was allowed to dispute the transaction.

How to Respond

Responses are only allowed if the issuer has already disputed the transaction, and you have already accepted the dispute; in other words, a duplicate dispute. Or, if you’ve already issued a credit to the cardholder to offset the transaction being disputed. - Always secure authorization for every transaction, prior to the transaction. - Process the payment for the authorized amount only; for additional amounts, submit a second transaction

Prevention Tips

Keep accurate records

How ChargeMate Helps You Win This Dispute

ChargeMate's AI analyzes your transaction data, reads your evidence documents, and generates a compelling, network-compliant response specifically tailored for Visa Fraud Monitoring Program disputes. Our system knows the exact evidence requirements and winning strategies for this dispute type.

🎯 Network-specific response

Generated following exact Visa guidelines for this reason code

📋 Evidence checklist

AI identifies exactly what documents you need to win

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Related Visa Reason Codes

10.1

EMV Liability Shift Counterfeit Fraud

10.2

EMV Liability Shift Non-Counterfeit Fraud

10.3

Other Fraud — Card-Present Environment

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