Compelling Evidence 3.0 (CE 3.0) is a Visa initiative that outlines specific types of documentation merchants can use to defend against chargebacks labeled as “fraud” or “unauthorized” (disputes submitted with Visa reason code 10.4). Visa’s goal is to reduce friendly fraud and give merchants more tools to prove legitimate purchases. CE 3.0 incorporates the use of conditional and historical data — such as proof of prior undisputed transactions, matching device IDs, and consistent user credentials.
AltoPay can help you collect and submit the data required to utilize Visa’s new standards.
For more than a decade, Jessica Velasco has been a thought leader in the payments industry. She aims to provide readers with valuable, easy-to-understand resources.
