Visa Compelling Evidence 3.0 is an evidence framework for qualifying card-absent fraud disputes. The requirements depend on the dispute and the version of Visa’s rules that applies. The 2023 Visa merchant FAQ is useful historical background; ask your acquirer for the current rules and the data fields, deadlines and submission process for each case.
Identify the dispute and the available history
Start with the network, reason code, disputed transaction and response deadline. Review whether reliable past transaction records and matching customer or device information exist. Visa’s October 2026 rules treat a device ID and device fingerprint as similar data elements for the relevant submission; an acquirer cannot use both as separate elements and must select another data element instead. Other conditions and regional exceptions apply. The evidence needed for a fraud claim is not necessarily the same as the evidence required when goods were not received or a subscription was canceled.
- Keep order and payment authorization records tied to the transaction.
- Retain relevant account, fulfillment and customer-support records under your data-retention and privacy policies.
- Ask your acquirer which identifiers and prior transactions satisfy the current eligibility criteria.
- Confirm how to submit the evidence, any provider fees, and whether it is considered before or after a dispute is filed.
Keep fulfillment and fraud evidence distinct
Delivery confirmations and digital access records can help explain fulfillment, but they do not by themselves establish cardholder authorization or satisfy every fraud-evidence rule. Ask the provider what each dispute requires. Avoid assuming a supposed April 2026 change, automatic liability shift or guaranteed win without the current written network rule and case review.
Measure results without assuming a VAMP exclusion
Track the number of eligible cases, evidence submitted, deadlines met and final outcomes. Visa’s VAMP fact sheet describes specific exclusions with data-extract timing conditions; a dispute response or favorable result should not automatically be treated as excluded. Reconcile any monitoring impact with the acquirer.
How Cybin can help
Cybin can help a merchant describe dispute trends and the payment and support workflows that matter to a provider review. The acquirer and network apply the current rules and determine the outcome of the particular dispute.