What is Visa Dispute Reason Code 10.4?

An explanation of one Visa's most common reason codes.

Reason Code 10.4 is a Visa reason code that claims an unauthorized use of a card has taken place through an online, phone, or mail order. E.g., Visa Reason Code 10.4 is tied to disputes that involve a fraudulent trasnaction in a card-not-present (CNP) environment.