CE3.0 (Compelling Evidence 3.0)

CE3.0 (Compelling Evidence 3.0) is a Visa rule change to provide liability protection to merchants when they can identify cardholder participation in card-not-present (CNP) transactions which they’re now claiming as fraud. When a CNP dispute is assigned the reason code 10.4 “Other Fraud,” and the merchant can show at least two prior undisputed transactions from the same Personal Account Number (PAN) that all match specific criteria with the dispute, that 10.4 dispute is invalidated. Read More…