Compelling Evidence 3.0 lets you use evidence from historical purchases to prove a cardholder made a legitimate transaction. This can help you win disputes made under reason code 10.4 (Fraudulent Transaction - Card Absent Environment).
This reason code is commonly linked to first-party or friendly fraud. If you can show that the device fingerprint, IP address, and other factors the customer used in the disputed transaction were associated with two previous undisputed transactions, the issuer should now accept liability and reject the cardholder's claim.
Make the following changes to use Visa Compelling Evidence 3.0:
Note: If you're using our previous platform, you'll need to upgrade to benefit from Visa Compelling Evidence 3.0.
We’ll release an updated dispute representment form before the end of the year. Use this to upload historical transaction data about the cardholder raising a dispute.
To win a dispute under Compelling Evidence 3.0, include two of the following pieces of information. These must always include either the Device ID or IP address:
For now, represent disputes using the existing Dashboard workflow. We’ll ramp up the new workflow alongside the existing one and let you know when it’s live.