DESCRIPTION
Why did I receive a chargeback with reason code 10.5?
You received this chargeback because the Visa Fraud Monitoring Program identified the transaction and informed the issuer.
Need help managing Visa 10.5 chargebacks?
Let AltoShield help you create a comprehensive chargeback management strategy that can lower risk, reduce costs, boost approvals, and improve processing sustainability.
CLASSIFICATION
How will the issuer classify this dispute?
Visa reason codes are divided into four categories: fraud, authorisation errors, processing errors, and consumer disputes. Reason codes that start with 10 are in the fraud category.
Fraud-related chargebacks have additional classification requirements.
Prior to filing a chargeback with this reason code, the issuer must submit a TC40 fraud report to Visa. Visit our other guides to learn how TC40 data is used in your VAMP ratio.
ISSUER TIME LIMIT
How long can the issuer wait to file a chargeback with reason code 10.5?
A dispute with reason code 10.5 can be filed up to 120 days from the date of the Visa Fraud Monitoring Program report.
VALIDITY
Is it possible for a 10.5 chargeback to be invalid?
For other disputes, Visa outlines situations where the use of a given reason code would be invalid. However, it’s not possible for an issuer to use this reason code incorrectly.
SUPPORTING DOCUMENTS
Can I fight a chargeback with reason code 10.5?
Technically, yes, you can fight a chargeback with this reason code.
However, there is only one situation that warrants a response: if you refunded the transaction before the chargeback was filed.
WORKFLOW
Is a Visa 10.5 dispute managed with allocation or collaboration?
Visa reason code 10.5 is managed with the allocation workflow.
If you want to respond to a chargeback with this reason code, you’ll use the pre-arbitration process. Use our rebuttal letter guide to help create a winning response.
ACQUIRER TIME LIMIT
How quickly do I need to file a chargeback response?
Your acquirer must submit your chargeback response within 30 calendar days of the chargeback filing date.
Note: This is the acquirer time limit. Acquirers set merchant time limits, which can vary from 3 to 20 days. Make sure you know how much time is allotted to your response.
PREVENT
How can I prevent chargebacks like this in the future?
To avoid 10.5 chargebacks, carefully and consistently monitor your VAMP ratio. If risk starts to increase, act quickly to prevent breaching thresholds established by Visa.
Use our detailed prevention guide to set up a comprehensive chargeback management strategy
DESCRIPTION
Why did I receive a chargeback with reason code 10.5?
You received this chargeback because the Visa Fraud Monitoring Program identified the transaction and informed the issuer.
Need help managing Visa 10.5 chargebacks?
Let AltoShield help you create a comprehensive chargeback management strategy that can lower risk, reduce costs, boost approvals, and improve processing sustainability.
CLASSIFICATION
How will the issuer classify this dispute?
Visa reason codes are divided into four categories: fraud, authorisation errors, processing errors, and consumer disputes. Reason codes that start with 10 are in the fraud category.
Fraud-related chargebacks have additional classification requirements.
Prior to filing a chargeback with this reason code, the issuer must submit a TC40 fraud report to Visa. Visit our other guides to learn how TC40 data is used in your VAMP ratio.
ISSUER TIME LIMIT
How long can the issuer wait to file a chargeback with reason code 10.5?
A dispute with reason code 10.5 can be filed up to 120 days from the date of the Visa Fraud Monitoring Program report.
VALIDITY
Is it possible for a 10.5 chargeback to be invalid?
For other disputes, Visa outlines situations where the use of a given reason code would be invalid. However, it’s not possible for an issuer to use this reason code incorrectly.
SUPPORTING DOCUMENTS
Can I fight a chargeback with reason code 10.5?
Technically, yes, you can fight a chargeback with this reason code.
However, there is only one situation that warrants a response: if you refunded the transaction before the chargeback was filed.
WORKFLOW
Is a Visa 10.5 dispute managed with allocation or collaboration?
?
Visa reason code 10.5 is managed with the allocation workflow.
If you want to respond to a chargeback with this reason code, you’ll use the pre-arbitration process. Use our rebuttal letter guide to help create a winning response.
ACQUIRER TIME LIMIT
How quickly do I need to file a chargeback response?
Your acquirer must submit your chargeback response within 30 calendar days of the chargeback filing date.
Note: This is the acquirer time limit. Acquirers set merchant time limits, which can vary from 3 to 20 days. Make sure you know how much time is allotted to your response.
PREVENT
How can I prevent chargebacks like this in the future?
To avoid 10.5 chargebacks, carefully and consistently monitor your VAMP ratio. If risk starts to increase, act quickly to prevent breaching thresholds established by Visa.
Use our detailed prevention guide to set up a comprehensive chargeback management strategy.
For a full list of chargeback prevention tips, visit our detailed guide.
PUBLISHED ON: September 17, 2026
WRITTEN BY: Jessica Velasco
