Visa Reason Code 10.3

What is

Fraud reported on a transaction that happened in person, outside the counterfeit/chip-liability scenarios.

A cardholder reports a fraudulent charge from a physical, card-present transaction that doesn't fit the specific EMV sub-codes.

Relevant mainly to businesses with a physical point of sale, not pure online storefronts.

Signed receipt, ID verification at time of sale, or a video/POS log tying the card to the purchase.

Submit the signed receipt and any identity verification performed at the point of sale.

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Not keeping signed receipts or ID-check records for in-person sales.

Require ID checks on high-value in-person purchases and retain signed receipts.