Defense Requirement - Visa Compelling Evidence 3.0

Visa introduced the Visa Compelling Evidence 3.0 standard and enforced them from mid-April 2023.

This standard only applies to chargebacks with Visa reason code 10.4 Other Fraud-Card Absent Environment. This reason code is used for disputed Card Not Present (CNP) transactions without a 3D Secure liability shift.

In the new standard, to defend these disputes, Visa requires you to demonstrate a link between the cardholder and the person receiving the merchandise or service.

To meet the Visa Compelling Evidence 3.0 standard, ensure that you can demonstrate this link, and that you collect and can retrieve the required core data elements.

To demonstrate the link, you must describe the item or service, and provide:

• A minimum of two prior transactions from the same cardholder using the same payment method that were settled between at least 120 days and at most 365 days prior to the dispute date. Each of these transactions must be non-disputed and non-fraudulent. Each transaction must include:

  • The Acquirer Reference Number (ARN) of the transaction

  • Transaction date

  • Transaction amount

• At least two of the following core data elements match between the prior transactions and the disputed transaction, and one of the two must be either the IP address or the device ID. You can use the fields from your payment requests, or other data that is available in your company. Core data elements:

  • User ID: an account or login ID such as a customer account ID, the login ID or username, or the shopper's email address if it is stored as part of the user ID.

  • IP address: the shopper's IP address.

  • Shipping address: the delivery address for goods shipped to a physical location.

  • Device ID: for example the device fingerprint.

To further demonstrate the link between the cardholder and the person receiving the merchandise or service, you can optionally provide the following:

• Any proof of the cardholder's social media that can prove that the cardholder was using the merchandise or services.

• Any email correspondence with the cardholder that can prove that the merchandise was received.

• Any other evidence that you might have.

The process to defend the dispute remains the same. Supplying the information increases the chance of a successful dispute defense, but it does not guarantee that you will win.