RESOLVE
Evidence Automation
Prove the cardholder made the purchase, using their own history. Assembles qualifying prior transactions and identity signals to meet Visa’s Compelling Evidence 3.0 standard, blocking eligible fraud disputes before they are filed — no fee, no ratio impact.
DISCOVER
What is Compelling Evidence 3.0?
Compelling Evidence 3.0 is Visa’s latest set of guidelines, facilitating standardized evidence submission for merchants dealing with disputed transactions.
A customer claims they never made the purchase. But they have bought from you twelve times before — same device, same login, same delivery address.
Evidence Automation assembles customer’s purchase history into the format Visa’s Compelling Evidence 3.0 standard requires, and submits it. If the evidence qualifies, the dispute is blocked before it is filed.
Linked Transaction Intelligence
Qualifying historical transactions and cardholder activity connected to demonstrate trusted purchase behaviour — device, login, IP and shipping signals correlated across the customer journey.
Automated Evidence Workflows
Evidence gathered and submitted against Visa’s criteria automatically: two prior undisputed transactions, 120 to 365 days old, matching on at least two identifiers — one of them the IP address or device ID.
Trusted Decisioning
Evidence packages strong enough for the issuer to decide without raising a chargeback. Pre-dispute, that costs you nothing — no fee, no ratio impact.
PROCESS
How It Works?
1. Transaction dispute
A cardholder disputes a card-absent Visa transaction as fraud.
2. Evidence match
Visa pre-selects the cardholder’s prior purchases with you and checks them against the qualifying criteria.
3. Block dispute
The evidence is evaluated and dispute is stopped before it is filed .
Why Digital Receipts Matters Here?
The pre-dispute route runs through Verifi’s Order Insight, which is the same integration as Digital Receipts. Without it, compelling evidence can only be used at representment: after the fee, after the ratio impact.
Order Insight carries purchase detail for every dispute reason code. Compelling Evidence 3.0 is the specific case where that data does not just clarify the purchase, it blocks the dispute outright.
- Visa Compelling Evidence 3.0, reason code 10.4
- Pre-dispute deflection through Order Insight
- Representment fallback where pre-dispute does not apply
- Automatic qualification for Visa Secure authenticated transactions
Ready to stop friendly fraud before it is file?
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