Visa 10.3 — Other Fraud – Card-Present

What it means

The cardholder claims they did not authorize a face-to-face transaction where the physical card was present.

Common causes

• Stolen card used in a retail or in-person purchase
• Employee or third party misused a card with cardholder present
• Friendly fraud after an in-store purchase

Evidence that helps you win

• Signed receipt or identification verification at point of sale
• Matching billing details and transaction timestamp
• In-store camera or staff notes if available
• History of undisputed purchases from the same customer