5 days is correct for Visa's zero liability - this applies for any POS signature transactions routed through Visa. 10 days under Reg E would still apply for PIN transactions routed through a network other than Visa. I believe PIN transactions routed through Visa would be limited to 5 days as well.
To keep it simple, we just aim for 5 days on all. Most of our fraud is signature based anyway. We might extend up to 10 on an ATM dispute if we're trying to get film.
Edited by Bobby Boucher (06/08/12 04:35 PM)
Edit Reason: You know what happens when you assume...
...not only will I do it for you, I... I... I... yes, yes, I'll do it for you.