Reason code · Visa
Visa reason code 10.5: Visa Fraud Monitoring Program
Visa 10.5 isn’t driven by one customer’s complaint. Visa told the cardholder’s bank the transaction was flagged by the Visa Fraud Monitoring Program, and the bank has 120 days from that report to file.
Key takeaways
- It’s about your account, not one sale. 10.5 follows Visa flagging the transaction in its fraud monitoring.
- The clock starts late. 120 days from Visa’s report, not from the purchase.
- The answer is fixing the cause. There’s very little to argue in the dispute itself.
What Visa 10.5 means
Visa’s rule is short: Visa notified the cardholder’s bank that the transaction was identified by the Visa Fraud Monitoring Program, and the bank hasn’t already won a dispute on it under another condition.
In plain English, Visa’s monitoring flagged fraud tied to your merchant account, and this lets the bank pass the loss back. If you see one, talk to your processor about why your account was flagged.
What the customer told their bank
Often nothing specific. The dispute comes from Visa’s program report, not a fresh complaint. That’s why it can arrive on a transaction that has already been disputed: 10.5 is the one Visa condition that can be filed on the same transaction more than once.
The time limit
The cardholder’s bank has 120 calendar days from the date of the Visa Fraud Monitoring Program report. Because the clock runs from the report, a 10.5 can show up well after the sale.
Your own deadline is shorter. Fraud and authorization codes have no separate “dispute response” step in Visa’s rules. Your bank (the acquirer) answers with a pre-arbitration attempt, and it has 30 calendar days from the dispute to do it. Your processor keeps part of that time, so the due date on your notice is the one that counts.
What kind of proof matters
Very little moves a 10.5. Visa’s rules list no invalid disputes for it, and the response grounds are narrow: a refund the bank didn’t account for, or proof the dispute itself is invalid.
One common mistake
Treating a 10.5 like a normal customer dispute and pouring time into a long response. The real work is with your processor: find out why your account was flagged and fix the fraud problem behind it.
Dispute Daddy builds the response from your notice and your own records, ready for you to review, approve and submit. A flat $99 a month. See pricing.
