VisaFraud
Visa Reason Code 10.5
Visa Fraud Monitoring Program
What the cardholder claims
"Issuer flagged the transaction under VFMP."
Win rate
20-35%
With proper evidence
Response deadline
30 days
From dispute filing
Required evidence (in priority order)
- 1
customer_purchase_ip - 2
shipping_documentation - 3
prior_purchase_history
Response strategy
Very hard to win. VFMP disputes mean the merchant is already flagged for high fraud rates. Focus on proving legitimate delivery and customer identity.
Stripe category
fraudulentStripe maps this network-level code to this simplified category.
Responding to this chargeback?
Rebutto packages these exact evidence fields into the format Stripe requires. First dispute free on the Shopify App, or $9.99 on the web tool.