Visa Reason Code 10.4

What the cardholder claims

"I didn't authorize this transaction or my card was stolen."

Required evidence (in priority order)

1. 1customer_purchase_ip
2. 2customer_email_address
3. 3shipping_address
4. 4shipping_documentation
5. 5prior_purchase_history

Response strategy

Prove the cardholder authorized the transaction. IP geolocation matching billing address is the strongest signal. Match email and shipping to billing address. Prior successful purchases help.

Stripe category

Stripe maps this network-level code to this simplified category.