Visa 10.3 — Other Fraud — Card-Present Environment
Fraud chargeback.
Code
10.3 VisaCategory
Fraud
What it means
The cardholder says they did not authorize a card-present transaction.
Evidence that wins
Signed receipt / imprint, chip read data, CCTV or ID check notes.
How to prevent it
Check ID on high-value sales; always use chip.
Rules and deadlines differ by region and acquirer — always check the instructions in your PSP dashboard.