Visa Reason Code 10.5

A chargeback filed under Visa's fraud-monitoring program, usually tied to a merchant already flagged for elevated fraud rates.

Visa's fraud monitoring program (VFMP) flags merchants whose fraud-to-sales ratio crosses a threshold, and disputes under this code often come bundled with that enrollment.

Repeated 10.5 chargebacks signal your fraud rate is high enough to risk Visa penalties or processing restrictions, not just a single bad order.

Same as standard card-absent fraud evidence (AVS/CVV, delivery proof), plus your own fraud-prevention controls documentation.

Treating each 10.5 as an isolated dispute instead of investigating why your overall fraud rate is elevated.