What is Visa chargeback reason code 10.2?

EMV Liability Shift Non-Counterfeit Fraud. A lost/stolen/never-received chip+PIN card was used at a terminal that did not support PIN.

ToolerCat / Chargeback Reason Codes / Visa 10.2 — EMV Liability Shift Non-Counterfeit Fraud

Visa 10.2 — EMV Liability Shift Non-Counterfeit Fraud

Fraud chargeback.

Code

10.2 Visa

Category

Fraud

What it means

A lost/stolen/never-received chip+PIN card was used at a terminal that did not support PIN.

Evidence that wins

Proof of chip+PIN verification or that the terminal was PIN-capable.

How to prevent it

Use PIN-capable EMV terminals.

Rules and deadlines differ by region and acquirer — always check the instructions in your PSP dashboard.