Reference pagesReason codes
Fraud
Visa 10.5: Visa Fraud Monitoring Program
A Visa dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Merchant in VFMP; issuer disputes without cardholder evidence
The inventory records that 10.5 still carries the Visa Fraud Monitoring Program name in Visa's 2024 guide and in Stripe's map after VFMP merged into VAMP on 1 April 2025, and that a rename is unconfirmed.
A fraud report on this code also counts toward the VAMP ratio. VAMP ratio calculator
What the network says wins it
doesn't accept evidence
How Do The Proof handles it
Arrives in Do The Proof as: Fraudulent
Proof this usually needs
- Customer email
- Billing address
- Shipping address
- Tracking number
- Delivery confirmation
- Customer name
- Checkout IP
- Access activity
What the app cannot collect for you
Access activity. If you have login, download or usage records for this customer, add them to your dispute response. Records like these live on your own systems rather than in Shopify, so they have to come from you.
How long you have to respond
- Merchant or acquirer response
- 30 days at each phase
- Cardholder dispute window
- 120 days, or 540 days for delayed delivery
Allocation disputes, which are the 10 and 11 codes, assign liability automatically and can only be contested through pre-arbitration.
Collaboration disputes, which are the 12 and 13 codes, take a merchant response, then issuer pre-arbitration, then arbitration.
Where this comes from
- Visa, Dispute Management Guidelines for Visa Merchants, June 2024 Read 2026-09-08.
- Stripe, reason code categories Read 2026-09-08.
Other Visa fraud codes
Do The Proof drafts dispute responses for Shopify stores. Connect store