Visa Compelling Evidence 3.0 - What you need to know

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.

How to use Visa Compelling Evidence 3.0

Make the following changes to use Visa Compelling Evidence 3.0:

1. Collect the required data for your payments: We strongly recommend collecting device information and IP addresses with our easy-to-install risk.js package. Collecting this data can also help with fraud prevention. We enable this for you on Hosted Payment Pages and Payment Links.
2. Use a consistent billing descriptor prefix: If you use a dynamic billing descriptor, ensure the first six characters are identical for all transactions. This will let you link historical purchases when challenging the disputed transaction.

Note: If you're using our previous platform, you'll need to upgrade to benefit from Visa Compelling Evidence 3.0.

What's next?

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:

• Device ID
• IP address
• User / Login ID
• Shipping 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.