Visa 10.2 — EMV Liability Shift Non-Counterfeit Fraud

What it means

The cardholder disputes a card-present transaction where chip liability shifted because the merchant did not use chip technology.

Common causes

• Magstripe fallback used when chip should have been read
• Lost or stolen card used in person without chip verification
• Merchant liability shift due to non-EMV processing

Evidence that helps you win

• Chip transaction data or proof EMV was attempted
• CCTV or in-store records matching the cardholder if available
• AVS/CVV match for card-not-present fallback if applicable
• Customer communication acknowledging the purchase