DEFLECT
Fight First-Party Fraud with Trusted Data
Compelling Evidence 3.0 allows merchants to invalidate disputes by matching their data points to previous transaction history as proof of legitimate purchases, before they can become unwarranted chargebacks. CE 3.0 is a powerful Visa framework to challenge disputes with compelling transaction history tying cardholders to their purchases.
Protect revenue with evidence that works.
By aligning with CE 3.0 standards, merchants can reduce friendly fraud and keep chargeback ratios under control.
Your best defense against friendly fraud.
CE 3.0 helps you prove that the cardholder authorized a transaction, even when they try to claim otherwise.
Evidence Visa has pre-approved.
CE 3.0 sets clear rules for what counts as sufficient proof, giving you an industry-backed way to fight back.
Built to stop repeat offenders.
When cardholders dispute legitimate purchases, Compelling Evidence 3.0 proves their claims are unwarranted.
Overview
How Compelling Evidence 3.0 Works
Visa’s CE 3.0 is a powerful framework for challenging first-party fraud on the Visa network. It defines specific criteria such as transaction IP addresses, device IDs and login history as indisputable. When these data points match across a dispute and two historical transactions, the cardholder becomes liable for the disputed purchase.
Compelling Evidence Examples
CE3.0 provides a framework whereby a combination of the above evidence can invalidate a dispute. It shifts liability from merchant onto issuer when previous undisputed transactions match with a non-fraud dispute. If a merchant shows undisputed transaction history as outlined by Visa, any 10.4 “Other fraud” dispute may be blocked before the chargeback is filed.
Transaction Data
Device ID
Order IP address
Authorizations
Payment Method
Fulfillment Data
Deliveries
Engagement
Account Logins
Purchase History
Compelling Evidence 3.0 in Action
For Example:
Cardholder disputes the November 15 transaction as 10.4 Fraud, with two previous, similar transactions.
Features
Key Benefits and Capabilities
CE 3.0 can stop any 10.4 “Other fraud” dispute when framework requirements are met.
Even if a chargeback proceeds, CE 3.0 can also be used to win representments.
CE 3.0 defines exactly what evidence invalidates a dispute.
Designed specifically to reduce disputes under reason code 10.4 “Other fraud.”
Uses consistent data points across multiple prior transactions to confirm cardholder participation.
Supports ecommerce, subscription, and digital goods transactions.
The transaction matching system identifies legitimate purchases.
Blocks disputes before they become chargebacks.
CE3.0 logic is automated and applied in real time.
Especially valuable for merchants vulnerable to friendly fraud and recurring chargebacks.
Invalidates TC records for counting against merchant & acquirer VAMP ratios.
CE3.0 keeps your prevention strategy compliant and effective.
Where Compelling Evidence 3.0 Fits Within DEFLECT
Visa CE 3.0 enhances the capabilities of ChargebackHelp’s DEFLECT solution by providing pre-defined standards to invalidate most fraud disputes. While tools like Verifi Order Insight and Ethoca Consumer Clarity help prevent confusion-driven disputes, CE 3.0 supports deeper protection by giving merchants a framework to stop repeat fraud claims based on customer behavior. When integrated through DEFLECT, ChargebackHelp automates CE 3.0 data mapping and submission, helping you invalidate disputes without manual intervention.
FAQ
Visa Compelling Evidence 3.0 FAQ
Ready to reduce friendly fraud?
Let’s show you how CE 3.0 mobilizes transaction history to stop disputes..