shield-agent

VISA 10.4 Other Fraud—Card-Absent Environment

Cardholder claims a card-absent transaction was not authorized. Most common e-commerce fraud dispute.

Category
FRAUD
Evidence window
30 days
Rule reference
Visa Core Rules 11.4.4

Required evidence

  • ORDER

Recommended evidence

  • SHIPPING
  • CUSTOMER_COMMUNICATION
  • DIGITAL_DELIVERY
  • REFUND_POLICY