Visa 10.1 — EMV Liability Shift Counterfeit Fraud

What it means

The cardholder claims a counterfeit card was used at a chip-capable terminal, and liability shifted to the merchant for not accepting chip.

Common causes

• Chip card was swiped instead of dipped at an EMV terminal
• Counterfeit card used in a card-present transaction
• Terminal or POS not configured for EMV chip acceptance

Evidence that helps you win

• Proof the transaction was chip-read with valid cryptogram
• Terminal EMV capability logs for the transaction date
• Signed receipt or PIN verification record if applicable
• Prior undisputed purchases by the same card