Visa compliance disputes

Businesses receive Visa compliance disputes in certain cases when the card issuer believes the disputed transaction doesn’t conform to Visa’s network rules. If Visa compliance disputes can’t be resolved between the parties, the dispute is resolved by the network in exchange for a fee.

If you contest a Visa compliance dispute, in addition to the applicable Stripe dispute fees, Stripe collects a 500 USD (or local equivalent) amount to cover the network costs associated with resolving Visa compliance disputes. Stripe refunds the 500 USD if you win the dispute.

Identify Visa compliance disputes

You can identify a Visa compliance dispute from the dispute object.

Use any of the following indicators to identify a Visa compliance dispute:

• payment_method_details.case_type is set to compliance.
• enhanced_eligibility_types contains visa_compliance.
• reason is noncompliant.

{
  "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
  "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
  "enhanced_eligibility_types": ["visa_compliance"],
  "reason": "noncompliant",
  "payment_method_details": {
    "card": {
      "brand": "visa",
      "case_type": "compliance"
    }
  }
}

Close Visa compliance disputes using the API

Closing a Visa compliance dispute indicates that you don’t have any evidence to submit and are essentially dismissing the dispute, acknowledging it as lost. You aren’t charged the 500 USD Visa compliance network fee if you choose to close the dispute.

To close a dispute, use the close API.

Respond to Visa compliance disputes using the API

The process of responding to a Visa compliance dispute is similar to responding to other disputes. You can use the update API to submit evidence to counter a dispute.

For Visa compliance disputes, you must explicitly acknowledge a 500 USD using the enhanced evidence object. Stripe withdraws the 500 USD network fee from your account when you submit evidence. Stripe refunds this network fee if you win the dispute.

To acknowledge the network fee, you must set evidence.enhanced_evidence.visa_compliance.fee_acknowledged to true when submitting evidence.

{
  "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
  "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
  "evidence": {
    ...
    "enhanced_evidence": {
      "visa_compliance": {
        "fee_acknowledged": true
    },
  }
  ...
}

If you acknowledge the Visa compliance network fee, evidence_details.enhanced_eligibility.visa_compliance.status changes to fee_acknowledged, indicating your acknowledgement.

{
  "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
  "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
  "evidence": {
    ...
    "enhanced_evidence": {
      "visa_compliance": {
        "fee_acknowledged": true
    },
  },
  "evidence_details": {
    ...
    "enhanced_eligibility": {
      "visa_compliance": {
        "status": "fee_acknowledged"
    },
  }
  ...
}

Testing

To test responding to Visa compliance disputes, use the following test card, which creates a Visa compliance dispute:

Similar to live mode Visa compliance disputes, Stripe returns an error response if you submit evidence without acknowledging the network fee.