Visa Compelling Evidence 3.0 disputes

Visa Compelling Evidence 3.0 (CE 3.0) has new qualifying criteria allowing businesses to demonstrate a non-fraudulent history with cardholders to fight friendly fraud. Submitting qualifying evidence for Visa CE 3.0 eligible disputes can increase the chance of an issuer reversing friendly fraud disputes in favour of the business.

Visa CE 3.0 qualifying disputes

To respond to a dispute using Visa CE 3.0, the dispute must meet the following criteria:

• The disputed transaction must be a Visa transaction with network reason code 10.4.
• There must be at least two previous transactions that weren’t disputed, using the same payment method as the disputed transaction.
  • The previous non-disputed transactions must be within 120-365 days of the disputed transaction.
  • The previous non-disputed transactions must be paid, undisputed, and can’t be validation charges.
• You must provide descriptions for the disputed transaction’s product description and past undisputed transactions’ product descriptions.
• You must categorise the disputed transaction as either merchandise or services in the merchandise_or_services field.
• The disputed transaction and both past undisputed transactions must match either:
  • Two main evidence elements (for example, Customer Purchase IP and Customer Device Fingerprint).
  • One main evidence element and one secondary evidence element (for example, Customer Device ID and Customer Account ID).

The enhanced evidence object

To submit evidence using Visa CE 3.0, use the enhanced evidence object. This exists within the dispute evidence object. The enhanced eligibility types array contains a list of eligibility types in enhanced evidence.

{
  "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
  "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
  "enhanced_eligibility_types": ["visa_compelling_evidence_3"],
  "evidence": {
    "enhanced_evidence": {
      "visa_compelling_evidence_3": {
        "disputed_transaction": {
          "customer_email_address": "test@example.com",
          "customer_purchase_ip": "123.123.123.123",
          "merchandise_or_services": "merchandise",
          "product_description": "Widget ABC, color: green",
        },
        "prior_undisputed_transactions": [
          {
            "charge": "ch_nE8T8mUOoy9zkkOQLHuLsr3Z",
            "customer_email_address": "test@example.com",
            "customer_purchase_ip": "123.123.123.123",
            "product_description": "Widget DEF, color: blue"
          },
          {
            "charge": "ch_PcE97JB902XNTc1JpyBFmMTF",
            "customer_email_address": "test@example.com",
            "customer_purchase_ip": "123.123.123.123",
            "product_description": "Widget XYZ, color: yellow"
          }
        ]
      }
    },
  }
  ...
}

The enhanced eligibility object

The enhanced eligibility object shows the status of your Visa CE 3.0 submission. This exists within the evidence details object and provides detailed information on the steps required to ensure evidence is submitted to Visa as CE 3.0.

{
  "enhanced_eligibility_types": ["visa_compelling_evidence_3"],
  "evidence_details": {
    "due_by": 1708387199,
    "enhanced_eligibility": {
      "visa_compelling_evidence_3": {
        "partner_rejected_details": null,
        "required_actions": [
          "missing_merchandise_or_services",
          "missing_disputed_transaction_description"
        ],
        "status": "requires_action"
      }
    },
    "has_evidence": false,
    "past_due": false,
    "submission_count": 0
  },
  "payment_method_details": {
    "card": {
      "brand": "visa",
      "network_reason_code": "10.4"
    },
    "type": "card"
  },
  "reason": "fraudulent",
  "status": "needs_response"
}

Autofilled evidence

When Stripe identifies a disputed transaction as eligible for Visa CE 3.0, Stripe attempts to autofill the disputed transaction and evidence from previous undisputed transactions. You have the option to manually add Visa CE 3.0 evidence if you believe the disputed transaction qualifies.

Submission lifecycle

The Visa CE 3.0 status becomes qualified or requires_action when a dispute has the Visa Compelling Evidence 3 object filled within the enhanced evidence object.

• If the status is requires_action, use the required_actions array to figure out the extra evidence needed.
• If the status is qualified, you’re ready to submit Visa CE 3.0 evidence.

You can submit evidence using the Update dispute API. To update evidence without submitting it, make sure the submit parameter is set to false.

After submitting evidence, the status changes to not_qualified if the evidence is ineligible for Visa CE 3.0. Evidence is still submitted, but not using Visa CE 3.0.

If you have submitted qualifying evidence, track the status of the dispute in the dispute status field to see if you’ve won or lost.

Testing

To test your Visa CE 3.0 integration, use the following test card, which creates a Visa CE 3.0 eligible dispute:

When providing evidence for this dispute, you can submit any two test environment transactions in the prior_undisputed_transactions.charge field.

We’ll validate primary and secondary evidence elements according Visa CE 3.0 rules.

The Visa CE 3.0 status properly reflects qualified or requires_action based on the evidence provided.

After you submit evidence, the Visa CE 3.0 status is:

• not_qualified: The evidence doesn’t qualify for Visa CE 3.0.
• qualified: The evidence qualifies for Visa CE 3.0.